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1993年9月份,农总行印发了《中国农业银行贷款担保办法》,这对于强化信贷管理,弱化贷款风险,确保资金安全起到了重大的作用。根据《办法》的有关规定,对照信用社信贷管理现状,在担保抵押方面还存在以下问题: 1、担保主体不合格。按照经济合同法及信贷管理条例的有关要求,担保人就是具备代偿能力即具备担保能力的企业法人、公民和其它经营组织。据此,各级财政部门如县财政局、乡
In September 1993, the Agricultural Bank of China issued the “Measures for Guaranteeing Loans of Agricultural Bank of China”, which played a significant role in strengthening credit management, weakening loan risks and ensuring capital security. According to the relevant provisions of the “Measures”, in light of the credit management status of credit cooperatives, the following problems still exist in secured mortgages: 1. The main body of guarantee is unqualified. In accordance with the requirements of the Economic Contract Law and the Credit Administration Regulations, the guarantor is an enterprise legal person, citizen and other operating organization that is capable of compensating, that is, guarantors. Accordingly, the financial departments at all levels, such as the county finance bureau and the township