个人定期存单质押贷款风险与防范探究

由商业银行发放的个人定期存单质押贷款,对于保障其债权的实现、信贷资产的安全、有效提高信贷资产质量、防范和降低信贷风险具有一定的作用。然而这种在理论上风险度为零的贷款,在实际工作中,由于未按信贷规范化操作程序办理和落实贷款"三查"制度等,不仅未使个人定期存单质押贷款进入还贷回流保险箱,反而使商业银行的贷款资产存在着潜在的信贷风险。本文着重分析其风险类型与成因,并提出相应的防范措施。

Personal fixed deposit pledged loans risk and precautions probing

Individual certificate of deposit which provides by the Commercial bank pawns the loan,regarding safeguards its creditor＇s rights to realize,the credit property security,to improve the credit property quality,to guard against and to reduce the credit risk effectively to have certain function.However this kind of risk is zero loan theoretically,in practical work,because has not handled and carries out the loan according to the credit standardization operation sequence ＂three to look up＂ the system and so on,not only has not caused individual certificate of deposit to pawn the loan to enter repays the backflow safety deposit box,instead causes Commercial bank＇s loan property to have the latent credit risk.This article analyzes its risk type and the origin emphatically,and proposes the corresponding measure.