抵押资产价值评估:机构、技术与法律环境

抵押贷款是近年来商业银行信贷的主要方式。然而,由于抵押品自身存在的风险以及银行在抵押品评估中的疏漏,抵押贷款难以收回所导致的银行危机屡见不鲜。因此,抵押品价值评估机构体系的建立和设置,以及各种评估技术的创新和评估系统法律环境的建立,成为缓释银行信用危机、降低银行信贷风险的关键。

Mortgage Asset Evaluation: Institution, Technology and Law Environment

Mortgage loan is now a primary means of credit employed by the commercial banks.But because of the risks in the mortgage pledge itself and loopholes in the mortgage pledge evaluation work of the banks,bank crisis has been quite common due to the failure in getting back the mortgage loan.Thus,setting up an institutional system of mortgage pledge evaluation,innovating various evaluation technology and creating a law environment for the evaluation system is crucial for relieving the bank credit crisis and minimize the bank credit risks.