抵押贷款以其对贷款债权较强的保证能力,而成为目前各商业银行防范、化解信贷资产风险的一种重要手段。银行按《担保法》的规定为贷款设置抵押,依赖抵押权的实现来保证贷款本息的优先清偿,体现出抵押贷款的高物质保障和低风险的特性。从纯理论的角度看,贷款债权以足额的物质作保证,抵押贷款应不存在任何风险。但在实际操作中,因抵押关系的建立与抵押权的实现受各种客观因素的影响与制约,实际操作上每一道环节都隐藏着不同的风险,稍有不慎,风险就可 With its strong ability to guarantee loan claims, mortgage loans have become an important means of preventing and resolving the risks of credit assets by commercial banks at present. The Bank sets up a mortgage for the loan according to the provisions of the Guarantee Law, relies on the realization of the mortgage right to guarantee the priority settlement of the principal and interest of the loan, and reflects the high material security and low-risk characteristics of the mortgage loan. From a purely theoretical point of view, loan claims are guaranteed in full amount, and there should be no risk of a mortgage loan. However, in actual operation, due to the establishment of the mortgage relationship and the realization of the mortgage right, it is affected and restricted by various objective factors. Different risks are hidden in every link of actual operation. Risks may be slight