【摘要】：信貸產(chǎn)品創(chuàng)新的推出,主要?jiǎng)恿κ菍?shí)體經(jīng)濟(jì)發(fā)展對(duì)信貸資源擴(kuò)張性需求,而自身抵質(zhì)押物相對(duì)不足;主要背景是《擔(dān)保法》、《物權(quán)法》的出臺(tái),進(jìn)一步明確了對(duì)債權(quán)、物權(quán)的設(shè)定與保護(hù)要求;重點(diǎn)是圍繞抵押物與質(zhì)押物的擴(kuò)容、擔(dān)保與保證倍數(shù)的放大,以及信用效能拓展的設(shè)定與實(shí)現(xiàn)。相伴而隨的是,信貸創(chuàng)新的風(fēng)險(xiǎn)始終存在,大力推進(jìn)信貸創(chuàng)新與努力規(guī)避信貸創(chuàng)新風(fēng)險(xiǎn),同樣具有重要意義。
[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.
【作者單位】： 中國(guó)人民銀行孝感市中心支行;
【分類號(hào)】：F832.4

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