银行向商业性过渡,意味着银行也要承担风险责任。实行抵押贷款,可以起到减少贷款风险、保证债权人的债权得以实现的作用。这是有法律根据的。《民法通则》第89条就规定:“债务人或者第三人可以提供一定的财产作为抵押。债务人不覆行债务的,债权人有权依照法律的规定以抵押物折价或者以变卖抵押物的价款优先受偿”。 Bank to commercial transition, which means that banks have to bear the risk responsibility. The implementation of a mortgage loan can play a role in reducing the risk of a loan and ensuring that creditors’ claims can be realized. This is legal basis. Article 89 of the General Principles of Civil Law stipulates: “The debtor or a third party may provide certain property as a mortgage.” If the debtor does not cover the debt, the creditor has the right to discount the mortgage or to sell the proceeds of the collateral in accordance with the law Give priority to compensation ".