新形势下大力开展钢结构抵押贷款探索.docVIP

新形势下大力开展钢结构抵押贷款探索 　　摘要：随着国家宏观调控政策效应的日益显现，中小企业贷款的风险也在逐步凸显。对于农村信用社来说，提高贷款准入门槛，发放优质中小企业贷款，能够有效提高贷款质量，规避贷款风险。就农信社的客户群体看，以小企业为主，抗风险能力相对较差，出现风险后，信用社能够优先受偿的抵质押物相对较少，在小企业迫切需要融资，信用社尤为需要抵质押物的形势下，钢结构抵押贷款显得尤为重要。 　　关键词：钢结构厂房；抵押；贷款 　　Abstract: With the increasingly apparent effect of the national macro-control policies, the risk of loans to SMEs are gradually highlights. The access threshold for rural credit cooperatives, raising the loan, the issuance of high-quality loans to SMEs, can effectively improve the quality of loans, to avoid the risk of loans. Groups of customers of rural credit cooperati