贷款业务是银行最主要的业务,也是银行经营风险最集中处。目前迅速发展的抵押贷款,不仅增强了银行资本的抗风险能力,也是解决目前企业拖欠银行巨额贷款问题的良方,它强化了企业的风险意识,有利于改变投资规模软约束局面,提高企业经营水平。它的顺利发展,是银行转制的关键之一,而发展抵押贷款合同公证则是从法律上保证这项金融业务顺利开展、对市场行为进行法制化管理的重要手段。 Loan business is the bank's main business, but also the bank's most concentrated business risk. At present, the rapid development of the mortgage loan not only enhances the anti-risk ability of bank capital, but also is a good way to solve the current problem of arrears of bank loans. It strengthens the risk awareness of enterprises, helps to change the soft constraint of investment scale and enhances the operation of enterprises Level. Its smooth development is one of the keys to the bank restructuring, and the development of notarized mortgage contract is an important means to ensure that the financial business is carried out smoothly and legally management of market behavior.