在信贷操作实践中,作为借款合同项下的抵押人必须是具有独立民事权利能力和民事行为能力的自然人、法人、其他组织和个体工商户,并能独立承担民事责任。不管是借款人本人还是第三人作为抵押人,抵押人的主体范围比较广。在实践中,有一种类型的抵押人比 In the practice of credit operation, the mortgagor under the loan contract must be a natural person, a legal person, other organizations and individual industrial and commercial households with independent civil rights and civil capacity, and be able to bear civil liability independently. Whether the borrower himself or a third person as a mortgagor, the scope of the mortgagor is broader. In practice, there is a type of mortgagor ratio