近年来,由于经济下行压力的增加,商业银行不良贷款率呈上升趋势,为了处置这些不良贷款,各家银行也是费尽心思。过去我们都说,只要有抵押,银行就不必太担心,一旦借款人无法归还银行借款,银行可以对其抵押物进行包括拍卖在内的处置。但是实际情况并不如此,我们经常会遇到银行无法及时有效处置抵押物的情况,究竟是什么原因导致了上述情况的发生,而我们又可以如何去解决这些问题呢? In recent years, as the downward pressure on the economy has increased, the non-performing loan ratio of commercial banks has been on the rise. In order to dispose of these non-performing loans, banks are also struggling. In the past we all said that as long as there is a mortgage, banks need not worry too much. Once the borrower can not repay bank loans, the banks can dispose of their mortgages, including the auction. However, the actual situation is not the case. We often encounter situations where banks can not dispose of collateral in a timely manner. What causes the above-mentioned circumstances and how can we solve these problems?