当前银行抵押贷款风险表现及防范措施——基于典型案例的分析

The current Bank Mortgage Loan Risks and Preventive Measures——Based on the Analysis of Typical Cases

近年来,我国银行业务规模和收入效益都实现了跨越式发展,在快速发展的同时,如何保证信贷资金安全是业界广泛关注的热点问题。抵押作为担保方式一直是业界公认的"担保之王",但是在社会信用风气日益恶化和相关法律条例仍待完善的大环境下,抵押担保在操作管理环节和法律政策层面上仍然存在着一定的风险隐患。笔者结合自身从业经验,通过典型案例分析的方式,对当前抵押贷款存在的一些风险点进行剖析。

In recent years, China＇s banking business scale and income benefit have achieved great leap forward development. At the same time of rapid development, how to ensure the safety of credit funds is a hot issue of widespread concern in the industry. As mortgage guarantee has been recognized as the ＂king of guarantee＂, but the social credit environment is becoming worse, and relevant laws and regulations need to improve, the mortgage guarantee still has hidden risk in the operation link and the legal level. The author combines own experience, through typical cases to analysis existence risk spots of the mortgage loan.