对我国商业银行贷款担保制度的法律思考

Legal Thinking Of Loan Guarantee System Of Commercial Bank In Our Country

贷款担保制度在现代经济生活中所起的作用是举足轻重的。但由于我国现行贷款担保制度本身的缺陷和立法不足,使得贷款担保制度的作用没有得到良好发挥,贷款人和借款人的相关利益没有得到很好维护,担保物的效用没有得到极好利用。要改变这一现状,必须要通过摒弃保证、强制保险和完善贷款权利质押担保立法等方式修正现行的贷款担保制度;并且引入贷款信托担保,以弥补现行贷款担保制度的天生缺陷。

The system of loan guarantee plays a very important role in the modern economic life. Because of the defects in the current loan guarantee system and legislation, the system of loan guarantee has not moved smoothly, the relevant interests of the creditor and debtor are not well protected and the utility of the guaranty is not properly explored either. We must try every possible means to perfect the present loan guarantee system.