On the status quo of collateral loan and the out - looking of its stock marketing 論住房抵押貸款的現(xiàn)狀與實(shí)施住房抵押貸款證券化的意義
However , our current system of share right pledge has some defects so that commercial banks face many risks in providing share right collateral loans 不過,我國現(xiàn)行的有關(guān)股權(quán)質(zhì)押制度存在諸多缺陷,商業(yè)銀行發(fā)放股權(quán)質(zhì)押貸款,特別是股票質(zhì)押貸款,蘊(yùn)藏著較大的風(fēng)險(xiǎn)。
To solve problems in sme credit loan , we should start with three aspects : government should establish policy - character financial system step by step . bank should develop diversified mortgage loan or collateral loan program . sme should intensify credit construction and improve credit level 解決中小企業(yè)的信貸融資問題,必須從三個方面入手:政府要逐步建立中小企業(yè)的政策性金融體系;銀行要開展多種形式的抵押或質(zhì)押貸款;企業(yè)自身要加強(qiáng)信用建設(shè),提高信用等級。