商业银行抵押担保贷款面临的风险及防范对策

为了研究商业银行对企业抵押担保贷款风险形成的原因,分析了商业银行抵押担保贷款风险的表现形式及其相关案例。结果表明：商业银行对企业抵押担保贷款风险的形成既有商业银行及其客户自身的原因,也有法律规定不明晰、抵押权实现的程序繁杂、担保登记信息披露缺少统一规定等方面的原因。因此,有必要对担保法等相关法律制度进行完善,从根本上防范和化解抵押担保贷款的风险。

Commercial Bank Loan Collateral Risks and Preventive Measures

In order to study the risk causes of the mortgage-backed loans of the commercial banks to enterprises,this article analyses its manifestation and the related cases.The results showed that.such risk causes attributed to the commercial banks and its customers,as well as the unclear legal requirements,the complicated procedures of the right montage realization, and the lack of the consistent provisions on the disclosure of the guarantee registration information,etc.Therefore,it is necessary to perfect the guar...