抵押贷款是指借款人不能按期偿还贷款本息时,银行可依法对抵押财产变现受偿。其目的是为了有效控制信贷风险,降低贷款损失,保全信贷资产。但随着该项业务的发展,工作中出现了一些新问题,主要表现在:——企业有效资产不足,产权不清。一是自有资产不足。如某市分行2002年对存量贷款补办抵押手续时,贷款余额是5亿多元,而企业可办理抵押的有效资产值仅为1.28亿元,占贷款余额的25.64%。二是产权不清。据统计,该市分行在办理抵押贷款时,清理出18家 Mortgage refers to the borrower can not repay the loan principal and interest as scheduled, the bank may mortgage the mortgage property realized. Its purpose is to effectively control credit risk, reduce loan losses and preserve credit assets. However, with the development of this business, some new problems have emerged in the work, mainly manifested in: - Inadequate effective assets of the enterprise and unclear property rights. First, the lack of own assets. For example, when a city branch replenished its mortgage loan in 2002, the loan balance was more than 500 million yuan while the effective asset value that the enterprise could handle the mortgage was only 128 million yuan, accounting for 25.64% of the loan balance. Second, unclear property rights. According to statistics, the city branch in the process of mortgage loans, clean out 18