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在银行信贷业务中,公司出具担保决议的合法有效性对银行主张担保物权有着重要影响,银行作为债权人为确保将来担保物权的顺利实现,应认真审核担保决议的合法有效性。本文从信贷实务角度出发,总结分析了银行在审查担保决议有效性时应重点关注的几个方面,即公司章程、决议主体、决议内容以及决议效力等内容。
In the bank credit business, the legality and validity of the company’s guarantee resolution has an important influence on the bank’s claim of security interest. As a creditor, the bank as a creditor should carefully review the validity and validity of the guarantee resolution in order to ensure the smooth realization of the future security interest. This article from the point of view of credit practice, summarizes and analyzes several aspects that banks should pay close attention to when examining the validity of guarantee resolution, namely the articles of association, the subject of resolution, the content of resolution and the effect of resolution.