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随着我国金融体制改革的深化和现代企业制度的确立,抵押贷款将得到更普遍的采用。这对于减少信贷风险,提高信贷资产质量,无疑具有重大的现实意义,但在目前具体办理抵押贷款过程中,仍存在着不少的问题,阻碍着抵押贷款工作的开展。归纳起来主要有如下几个方面: 一、部分企业领导对抵押贷款存在认识误区,是现阶段难以办理抵押贷款的最大阻力。有些国有大中型企业领导不了解抵押贷款的实质内涵,以为抵押资产就是变卖祖业,故迟迟不愿签署抵押合同。这一认识误区在目前落实贷款存量的抵押时犹为突
With the deepening of China’s financial system reform and the establishment of a modern enterprise system, mortgage loans will be more commonly adopted. This undoubtedly has great practical significance for reducing credit risk and improving the quality of credit assets. However, there are still many problems in the process of implementing specific mortgage loans at present, which hinder the development of mortgage loans. To sum up mainly in the following aspects: First, some business leaders have misunderstanding of mortgage loans, it is difficult at this stage to deal with the biggest obstacle to the mortgage loan. Some state-owned large and medium-sized enterprises do not understand the leadership of the real meaning of the mortgage loan that the mortgage assets is the sale of ancestral, it is so reluctant to sign the mortgage contract. This misunderstanding is still the focus of the current mortgage loan