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随着银行商业化改革的逐步深入和金融法规的不断完善。要求商业银行依法经营贷款业务,确保贷款的安全性、流动性和效益性。银行现实状况是:贷款资产质量低劣,企业赖债现象严重,贷款法律效力弱化,潜在法律风险较大。产生这些问题的原因甚多,主因之一是贷款法律意识不浓,贷款法律手续不全,贷款法律审查不严。这种局面正在威协着贷款资产安全,危及商业银行的生存发展。因此,规范贷款法律审查,依法经营贷款业务,运用法律手段保障贷款安全的问题,已经严竣地摆在商业银行面前。
With the gradual deepening of commercial bank reform and the continuous improvement of financial regulations. Commercial banks are required to operate the loan business according to law to ensure the safety, liquidity and profitability of the loans. The actual situation of the bank is: poor quality of loan assets, corporate debt is serious, weakening the legal effectiveness of loans, potential legal risks. There are many reasons for these problems. One of the main reasons is that the legal awareness of loans is not strong, the legal procedures for loans are not complete, and the law of loans is not reviewed strictly. This situation is Wei cooperation loan assets security, endangering the survival and development of commercial banks. Therefore, the issue of regulating the legal review of loans, operating loan businesses in accordance with the law and using legal means to ensure the safety of loans has been placed in the face of commercial banks.