摘要
本文在借鉴前人研究成果的基础上,通过对价值2亿元酒店抵押4000万元贷款风险案例的分析,建立并验证了有效抵押品的新命题。有效抵押品必须具有有效控制借款者履行其保证承诺,有多种可供选择的发展可能性或者用途和方便处置的种种便利;其中,抵押品的保证和控制功能是第一位的,变现和替代功能是第二位的。
On the basis of previous studies,this paper analyzes the case of the 40 million yuan mortgage loan on the hotel worth 200 million yuan and establishes a new proposition about the verified effective collateral.The effective collateral must have the features including effective control over the borrower to fulfill commitments,various options of development,or the convenience of application and arrangement.Among these features,controllable function is the most important,liquidity and alternative are in the second place.
出处
《金融发展研究》
2012年第4期34-38,共5页
Journal Of Financial Development Research
关键词
贷款
抵押品
有效性
loan
collateral
effectiveness
