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you jia zheng quan di ya dai kuan zai fa fang shou xu shang ying dang qu fan jiu jian
Author(s): 
Pages: 60
Year: Issue:  8
Journal: Xi'an Finance

Keyword:  抵押贷款有价证券农村信用社信用贷款贷款手续贷款风险抵押贷款合同信贷资产质量人民银行负效应;
Abstract: <正>目前,农行系统(含农村信用社)在减少信用贷款的同时,普遍地采用了有价证券抵押贷款,这种贷款形式,有效地降低了贷款风险,提高了信贷资产质量,改善了经营管理,增强了行社发展活力,这是应当充分肯定的.但是从有价证券抵押贷款的发放手续上看,有些过于繁琐,借款人很有意见.例如;一笔贷款贷户就需填写“贷款申请表”、“抵押通知书”、“抵押存款核对单”、“抵押存单上付通知书”、“抵押存单解付通知书”等七种表式.贷款手续比信用贷款手续复杂的多,因而产生了三个方面的负效应.一是加剧了社会乱集资和私人之间的相互借贷.由于这种贷款手续麻烦,使得一些用款户觉得抵押存单出借难,金融部门背书难,行社
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