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抵押是指贷款合同中的借款人或第三人以其财产(含不动产、动产等)作为履行合同的担保。当借款方不履行或不能履行合同时,作为贷款方的银行享有从抵押财产的价值中优先受偿的民事权利。随着金融业和市场经济的不断发展,金融部门利用存款发放贷款
Mortgage refers to the borrower or third party in the loan contract with its property (including real property, chattel, etc.) as a guarantee of performance of the contract. When the borrower fails to perform or fails to perform the contract, the lender as a bank enjoys the civil rights preferentially to be reimbursed from the value of the mortgaged property. With the continuous development of the financial industry and the market economy, the financial sector uses deposits to issue loans