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抵押授信业务作为中小金融机构服务金融市场的一项金融工具,在支农支微支小服务中占据举足轻重的地位。中小金融机构抵押登记涉及的授信业务面广,包括但不仅限于贷款、信托收益权投资、银行承兑汇票等,发展规模呈逐步扩大态势。但是信贷人员在办理抵押授信业务时对于抵押品资格的审查、抵押资产的评估、抵押物登记等仍然存在不容忽视的风险。文章从当前中小金融机构授信业务抵押登记有效性风险角度出发,找出目前存在的主要问题和风险,分析成因并提出一系列风险防范措施,以期化解此类金融风险,提高中小金融机构自身可持续发展能力。
As a financial tool for small and medium-sized financial institutions to serve the financial market, the mortgage credit business occupies a pivotal position in supporting small-and-medium-sized branches of agriculture. Small and medium-sized financial institutions involved in a wide range of credit business mortgage registration, including but not limited to loans, investment trust income rights, bank acceptance bills, the scale of development is gradually expanding trend. However, credit officers still have risks that can not be ignored in their review of the qualifications of collaterals, the assessment of mortgaged assets and the registration of mortgages when handling mortgages and credit operations. From the perspective of the effectiveness of the credit registration of credit grants in small and medium financial institutions, this article finds out the main problems and risks that exist at present, analyzes the causes and proposes a series of risk prevention measures in order to resolve such financial risks and improve the sustainability of small and medium financial institutions Ability to develop.