信贷产品创新的风险状况调查与思考——孝感市实证观察
发布时间：2019-04-02 10:57
【摘要】：信贷产品创新的推出,主要动力是实体经济发展对信贷资源扩张性需求,而自身抵质押物相对不足;主要背景是《担保法》、《物权法》的出台,进一步明确了对债权、物权的设定与保护要求;重点是围绕抵押物与质押物的扩容、担保与保证倍数的放大,以及信用效能拓展的设定与实现。相伴而随的是,信贷创新的风险始终存在,大力推进信贷创新与努力规避信贷创新风险,同样具有重要意义。
[Abstract]:The main driving force of the innovation of credit products is the expansionary demand for credit resources in the development of real economy, but its own guarantee is relatively insufficient. The main background is the Law of guarantee and the introduction of the Law of property, which further clarifies the requirements for the establishment and protection of creditor's rights and real rights; The emphasis is on the expansion of collateral and pledge, the magnification of guarantee and guarantee, and the establishment and realization of credit efficiency expansion. Along with it, the risk of credit innovation always exists. It is also of great significance to push forward credit innovation and try to avoid credit innovation risk.
【作者单位】： 中国人民银行孝感市中心支行;
【分类号】：F832.4
[Abstract]:The main driving force of the innovation of credit products is the expansionary demand for credit resources in the development of real economy, but its own guarantee is relatively insufficient. The main background is the Law of guarantee and the introduction of the Law of property, which further clarifies the requirements for the establishment and protection of creditor's rights and real rights; The emphasis is on the expansion of collateral and pledge, the magnification of guarantee and guarantee, and the establishment and realization of credit efficiency expansion. Along with it, the risk of credit innovation always exists. It is also of great significance to push forward credit innovation and try to avoid credit innovation risk.
【作者单位】： 中国人民银行孝感市中心支行;
【分类号】：F832.4
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