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抵押资产评估是我国资产评估业中一个重要的业务领域,几年来得到了迅速发展。本文拟从抵押资产评估发展的历史背景、存在问题、加强和规范抵押资产评估的工作思路等不同侧面,谈几点初步认识。一、抵押资产评估发展的历史背景1993年以后,我国各大专业银行在较短时间内初步实现了向商业银行运行机制的过渡和转轨,基本消除了计划经济体制下的政企不分和行政干预现象,摒弃了传统的信贷管理模式,强化了银行信贷管理的责任,迫使其更加关注信贷资产的安全与回报。在这种历史背景下,担保贷款逐步取代信用贷款,得到了迅速发展。在各种形式的担
Mortgage Assets Assessment is an important business area in China’s asset valuation industry and has been rapidly developed in recent years. This article intends to talk about the historical background of the development of mortgage assets assessment, problems, strengthen and standardize the work of assessment of mortgage assets and other aspects of different aspects, talk about some initial understanding. I. Historical Background of Mortgage Assets Assessment and Development Since 1993, the major specialized banks in our country have initially realized the transition and transition to the operational mechanism of commercial banks in a relatively short period of time, and have basically eliminated the differences between government and enterprises under the planned economy and the administration Intervention phenomenon, abandoned the traditional credit management model, strengthening the bank’s credit management responsibilities, forcing it to pay more attention to the safety of credit assets and returns. In this historical background, secured loans have gradually replaced credit loans and have been rapidly developed. In various forms the burden