抵押资产评估中应把握的一些问题

Problems in Mortgage Capital Evaluation

随着市场经济的发展,资产抵押行为及评估的应用领域越来越广,资产评估中的风险随之而来。如果从保障债权人权益、防范信用风险的角度出发,在抵押资产评估过程中,两个方面的问题显得尤为重要:一是注意选择合法、有效的资产作为抵押物,保证抵押物产权明晰、保值增值、易于变现;二是选择的评估方法合理、科学、得当,防范其中的道德风险。

With the development of economy, the application field of capital mortgage evaluation becomes more and more and the risks follow. From the angle of protecting debt owner＇s profits and preventing credit risks, two problems are important： one is to choose legal and effective mortgage material which has clear property right and is easy to change cash; the other is to choose scientific and reasonable method.