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提高信贷资产质量是当前基层银行的一个比较突出的问题,昭通地区农行系统有些银行逾期贷款、风险贷款已占全部贷款的30%左右。信贷资产质量的下降,必将加重信贷资产的风险,为此,必须对防范信贷资产风险的法律措施引起高度的重视。目前,防范信贷资产风险的法律措施主要有两种。一、抵押贷款1、抵押担保与抵押贷款是以物作为担保的基础,而不依赖于人的信用。在有几个抵押或有几种担保存在的情况下,抵押权设立在先,就可以优先受偿,并且抵押物不论移转于何人之手,抵押权人都有权追索。正因为如此,国外不少银行发放的各类贷款中采用担保方式的通常都占到70%以上。香港提供贷款的主要方式就是抵押担保。在我国,随着国有专业银行向商业银行转轨,为了保证信贷资产的安全性、流动性和效益性,必须大力推广抵押贷款,缩小信用贷款比例。
The improvement of the quality of credit assets is a prominent problem of grassroots banks. Some banks in Zhaotong Agricultural Bank system overdue loans, and risk loans account for about 30% of all loans. The decline of the quality of credit assets will surely aggravate the risk of credit assets. Therefore, we must attach great importance to the legal measures to prevent the risk of credit assets. At present, there are mainly two legal measures to guard against the risk of credit assets. First, the mortgage loans 1, mortgage guarantees and mortgages are based on the material as a guarantee, without relying on people’s credit. In the case of several mortgages or several kinds of guarantees, the mortgage right is first established, and the mortgagor has the right to seek compensation, regardless of the person to whom the mortgaged property is transferred. Because of this, the guarantee methods adopted by many foreign-funded banks in various types of loans generally account for more than 70%. The main method of providing loans in Hong Kong is mortgage guarantee. In our country, with the transition of state-owned specialized banks to commercial banks, in order to ensure the safety, liquidity and profitability of credit assets, we must vigorously promote mortgage loans and narrow the proportion of credit loans.