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目前我国各类企业为了自身的发展都在向银行进行相应的贷款,贷款的总额不断上升。在企业贷款的总额中,中小型企业贷款比例逐渐增多,而银行为了防范相应的贷款风险普遍采用抵押担保等方式进行,但是抵押担保在某种情况下也会存在相应的风险。而这种风险迎合企业自身的特点不断的被放大。我国银行的贷款风险产生的原因有很多,单拿抵押风险来讲,就会出现担而不保或者是抵而不押的现象,这种现象出现的原因就在于对抵押担保的含义与操作以及对法律的清偿权利等方面的把握不济,出现了相应的漏洞。本文将对此问题进行相应的分析,分析风险的形成原因,并根据实际情况提出合理的解决方式。
At present, all kinds of enterprises in our country are making corresponding loans to banks for their own development, and the total amount of loans has been on the rise. Among the total amount of corporate loans, the proportion of loans to small and medium-sized enterprises gradually increases, while banks generally adopt mortgage guarantee in order to prevent the corresponding loan risks. However, under certain circumstances, mortgage guarantee also has corresponding risks. And this risk to meet the characteristics of their own business has been constantly enlarged. There are many reasons for the bank loan risk in our country. If the mortgage risk is taken alone, there will be no mortgage or non-charge, the reason for this phenomenon lies in the meaning and operation of mortgage guarantee and Right to legal settlement of the right to grasp the bad, there have been corresponding loopholes. This article will make a corresponding analysis of this issue, analyze the formation of risk reasons, and put forward reasonable solutions according to the actual situation.