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顺位抵押能保障抵押权人按照原贷款和新贷款抵押权设立的先后顺序,有权就该抵押财产依次优先受偿。在实务操作中,应细化分类,明确各类顺位抵押的适用条件并规范操作要求。基于推动业务持续发展,发挥抵押物最大效用的需要,同时也为提升客户营销服务水平,在有效防控信贷合规风险前提下,笔者对以在押抵押物办理贷款顺位抵押进行了一些探讨。一、界定顺位抵押的内涵顺位抵押,是指债务人用同一抵押物整体分别为数个债权设定抵押担保,使该抵押
Collective mortgage can protect the mortgagee in accordance with the original loan and the new loan mortgage set up the order, the priority of the mortgage property in priority to be paid. In practical operation, the classification should be detailed, specifying the applicable conditions for all kinds of sequential mortgage and regulating the operation requirements. On the premise of promoting the continuous development of business and giving full play to the maximum utility of collateral, and at the same time, in order to enhance the level of customer marketing services, the author makes some discussions on the collateralization of loan collateral with the mortgaged collateral under the premise of effectively preventing and controlling the credit compliance risk. I. Defining the Consequence Collateralization of Collateral Mortgage means that the debtor sets up a collateral guarantee for several creditors with the same collateral as a whole so that the collateral