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目前,商业银行在办理企业贷款业务时有抵押物崇拜的倾向,贷款一定要有抵押物做担保,担保必须超过贷款可能带来的风险。中国银行业监督管理委员会主席刘明康先生在2005年微小企业融资国际研讨会上指出:“以往法规和政策倾向于过分要求商业银行在贷款中要求抵押担保,而对于信用放款则持限制性态度。结果,银行过分依靠抵押担保,几乎把自己变成了当铺,但是同时却并没有真正消除信用风险,反而还破坏了信贷文化。”几年过去了,这种情况还没有多少改变。
At present, commercial banks have a tendency to worship collaterals when they apply for corporate lending business. Loans must be secured with collateral, and the guarantee must exceed the risk that the loan may bring. Mr. Liu Mingkang, chairman of China Banking Regulatory Commission, pointed out at the 2005 Microfinance International Symposium: “In the past, laws and policies tended to overly require commercial banks to require collateral in their loans, while restricting credit lending As a result, banks rely too much on collateral to turn themselves into pawnshops, but at the same time they have not really eradicated credit risk and have instead undermined the credit culture. ”" A few years later, that has not changed much.