商业银行抵贷物资是指商业银行在实现其债权过程中获取的银行债务人用于抵偿银行贷款本息的有形或无形资产。 一、银行抵贷物资管理中存在的问题 随着金融越来越成为现代经济生活的核心,银行对社会资金的集散、调剂作用日益加强,贷款规模不断膨胀,银行占有的抵贷物资也越来越多。由于作价方法不科学、缺乏变现途径、变现政策规定不明确、变现差额管理不规范等原因,银行对抵贷物资的管理存在着一些问题: Commercial bank credit assets refer to the tangible or intangible assets of bank debtors acquired by commercial banks in the course of realizing their claims to offset the principal and interest of bank loans. First, the bank credit materials management problems With the financial increasingly becoming the core of modern economic life, the bank’s distribution of social funds, the role of the swap increasingly strengthened, the continuous expansion of the scale of loans, bank loans owned by the more affordable more. Due to the unscientific pricing method, the lack of cash flow, the imprecise liquidation policy and the non-standardization of liquidation balance, banks have some problems with the management of credit-related materials: