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ban hao di ya dai kuan de guan jian zai yu ba hao san guan
Author(s): 
Pages: 35-37
Year: Issue:  6
Journal: Financial Perspective Journal

Keyword:  抵押财产抵押物抵押贷款抵押登记抵押人“三关”抵押合同借款人其他财产《担保法》;
Abstract: <正> 近几年来,各家银行和其他金融机构都相继开办了抵押贷款业务,并取得了一些有益的经验。但由于相关的法律法规措施未配套,银行内部管理机制不完善等原因,抵押贷款在操作过程中还存在着一此问题,譬如对抵押物审查不严,估价不真实,抵押手续不全等,以致出现了空头抵押、重复抵押、无效抵押。因此要办好抵押贷款业务,必须以《担保法》为准绳,强化抵押贷款的规范化管理,切实把好三关: 一、提高认识关 银行信贷人员必须真正认识到,以借款人或第三人的财产作为贷款的担保,既可防患于未然,也可
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