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《物权法》的实行对市场经济的影响是广泛的和基础性的,商业银行的信贷业务也深受《物权法》的影响。本文从《物权法》的创新性规定对原有担保制度的改变开始分析,进而得出新变化对商业银行信贷业务风险的积极和消极影响。然后从法律经济学角度来分析《物权法》的对市场活力和商业银行效益的作用,并且从微观角度研究了商业银行的合理对策。最后通过中国银行的营业数据佐证分析结论。
The impact of the implementation of the Property Law on the market economy is extensive and fundamental. The credit business of commercial banks is also greatly affected by the Property Law. This article analyzes the changes of the original guarantee system from the innovative provisions of Real Right Law, and then draws the positive and negative effects of the new changes on the credit business risks of commercial banks. Then from the perspective of law and economics, this paper analyzes the effect of “Property Law” on the market vitality and the efficiency of commercial banks, and studies the reasonable countermeasures of commercial banks from the microscopic point of view. Finally, through the Bank of China’s business data corroborating analysis conclusion.