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金融机构贷款给借款方,首先希望借款方能够按时还本付息。当借款方不能按时归还贷款时,金融机构期望通过变卖处置抵押物而足额收回资金。金融机构给借款方贷款数额最大额度的确定,抵押物价值的确定,以及如何管理抵押物、采用何种方式处置抵押物最为有利和易于实现,这是评估机构和评估师应当关注和回答的问题,为金融机构提供切实有效的服务并在这种服务中拓展评估业务的发展空间,对评估师既是机会又是挑战。文章探讨了对工业企业的中长期贷款评估应关注的问题,并对借款方的第一还款来源、第二还款来源以及对抵押资产的管理和处置做了初步探讨。与同行商榷。
Financial institutions loans to borrowers, first of all hope that borrowers will be able to repay their loans on time. When the borrower fails to repay the loan on time, the financial institution expects to fully recover the funds by selling the mortgaged property. The determination of the maximum amount of loans to financial institutions to borrowers, the determination of the value of mortgages, and how to manage mortgages are the most advantageous and easy-to-implement methods for handling mortgages. This is an issue that assessment agencies and assessors should pay attention to and answer , Providing effective and effective services for financial institutions and expanding the space for assessing business development in such services will be both an opportunity and a challenge to assessors. This article discusses the problems that should be paid attention to in the mid-term and long-term loan appraisal of industrial enterprises, and makes a preliminary study on the source of the first repayment, the second repayment source and the management and disposal of the mortgage assets. Discuss with counterparts.