关于抵押物风险缓释效用的思考

Thoughts on Sustained-release Effect of Mortgage Risk

抵押是信用风险缓释的主要工具之一。受评估机构评估信息不充分,以及从抵押物评估、抵押到处置不同阶段市场的变化等因素影响,银行在操作抵押贷款过程中很容易发生抵押物在抵押时足值,而到处置时不足值的价值缩水现象。从抵押物风险缓释效用的角度出发,银行部门应完善抵押管理制度体系,设立抵押物管理岗,加强异地抵押物属地管理和评估机构管理,充分利用银行的渠道资源,提高抵押物处置率和处置额,以化解抵押不足值的风险。

Mortgage is one of main tools to release credit risk. Affected by insufficient evaluation information from evaluation institution and market change in different stages from evaluation to mortgage to disposal, the phenomenon frequently appears in operating mortgage loan for banks that the mortgage is full when mortgaging while fall in value when disposing. According to sustained-release effect of mortgage risk, the banks should improve mortgage management system, set mortgage management post, increase localized management on mortgaged goods and evaluation institution management, make fidl use of channel resources of the banks to increase handling rate and amount on mortgaged goods and to release the risks of lower value.