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有价证券质押担保贷款是借款人及其担保人向信用社提供有价证券(质物),作为借款人按期偿还借款的担保,在借款人不能按期偿还借款本息时,信用社有权处分质物,并从其所得款项中优先受偿的借贷业务活动。这种贷款方式是当前拓展农村信用社业务领域,规避贷款风险,提高资产质量和经济效益的较佳选择。 据调查,上海南汇县大团信用社开展有价证券质押担保贷款5年的实践证实是可行的,并随着时间的推延和业务宣传的深入,这项业务不断发展扩大。大团镇的农民都知道,要得到信用社贷款的支持,必须要有存款单抵押。这个信用社的质押贷款余额逐年增加,1993年为90万元,1994年为703万元,1995年为1.837万元,1996年4月为2.654万元,分别占当年贷款
The securities pledge secured loan is the borrower and its guarantor to provide the credit cooperatives with securities (material), as the borrower to repay the loan on time guarantee, the borrower can not repay the loan principal and interest schedule, the credit cooperatives have the right to disposal , And from their proceeds received priority in the repayment of loan business activities. This kind of loan mode is a better choice for expanding the RCCs’ business field, avoiding loan risks, and improving asset quality and economic benefits. According to the survey, the practice of Shanghai Nanhui County Dashang Credit Cooperative to carry out 5 years of pledged securities pledge secured loans is feasible, and with the extension of time and business promotion, this business continues to grow and expand. Township farmers know that to get the support of a credit union loan, you must have a deposit bill mortgage. The pledged loan balance of the credit cooperatives increased year by year, from 900,000 in 1993 to 7.03 million in 1994, to 18.37 million in 1995 and to 2.654 million in April 1996, accounting for the loans of the year