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浮动抵押制度为我国商业银行的融资业务提供了一项务实的担保工具,但由于制度设计上的缺陷、抵押物的浮动性以及商业银行缺乏针对浮动抵押的授信管理机制和经验,给我国商业银行带来了诸多风险,如何应对这些风险作相关探讨。
Floating mortgage system provides a pragmatic guarantee tool for the financing business of commercial banks in our country. However, due to the defects of system design, the floating of collateral and the lack of credit management mechanism and experience for floating mortgage for commercial banks, Brought a lot of risks, how to deal with these risks for related discussion.