银行押品价值管理与价值评估浅析

Analysis of Bank Collateral Value Management and Value Evaluation

在适应经济新常态的风险战略引领下,中小商业银行应逐步由防御型风险管理转变为主动型风险管理,对押品进行准确的评估和精细化的管理是现代商业银行业务经营的必然要求,也是银行风险核算和管理的重要依据。本文对押品价值评估的含义、押品价值评估与其他资产评估的关系及押品价值评估的基本要求进行整理、归纳、总结,为资产专业人员进一步厘清押品评估提供理论参考。

In adapting to the new normal strategic guidance,the risk of small and medium-sized commercial Banks should gradually by defensive into active risk management,risk management and product for accurate evaluation and refinement of management is the inevitable requirement of modern commercial banking business,also the important basis of accounting and risk management bank.In this paper,the definition of collateral value appraisal,the relationship between collateral value appraisal and other assets appraisal and the basic requirements of collateral value appraisal are sorted out,summarized and summarized,so as to provide theoretical reference for asset professionals to further clarify collateral value appraisal.