摘要
安全性、流动性、效益性是依法确定的商业银行的经营原则,农村信用社作为农村金融市场的主力军也完全适用该经营原则。如何防范债权风险、保证债权安全成为信用社日常工作的研究重点。本文重点研究信用社贷款担保的法律分险,通过分析贷款担保法律风险的表现形式,对如何防范担保风险提出合理化建议,以完善农村信用社贷款担保制度,维护贷款资金安全。
The safety,liquidity and efficiency are the operation principles of commercial banks in accordance with the law. As the main force of rural financial market,rural credit cooperatives are completely fit this principle.So how to prevent credit risk and ensure the security of creditor＇ s rights becomes the focus of daily work of credit cooperatives. This paper focuses on the legal risks of credit guarantee,analyzing the manifestation of legal risk of loan guarantee,puts forward reasonable suggestions on how to prevent the risks of guarantee in order to perfect the loan guarantee system of rural credit cooperatives and protect the safety of loan funds.
作者
杨振兴
YANG Zhen - xing(Shanxi Professional College of Finance, Taiyuan 030008, Chin)
出处
《山西经济管理干部学院学报》
2016年第3期75-77,88,共4页
Journal of Shanxi Institute of Economic Management
关键词
贷款担保法律风险
保证贷款
抵押贷款
质押贷款
the legal risk of loan guarantee
guarantee loan
mortgage loan
pledged loan
