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对于银行、信用社来说,办理存款与贷款业务无疑都是经济合同行为。金融业正面临着职能上的重大变革,市场经济与商业银行对信贷资产质量要求将更高。因而,金融机构根据国家的有关经济立法来规范自己的信贷行为并维护自己的合法权益就显得更为重要。本文拟根据《民法通则》、《经济合同法》、《借款合同条例》等法律法规的有关规定,谈谈经济合同(当然适用借款合同)担保的几种方式,以期对实务工作者在办理贷
For banks and credit unions, handling deposits and loans is undoubtedly the business of economic contract. The financial industry is facing a major change in its functions. The market economy and commercial banks will require higher credit asset quality. Therefore, it is even more important for financial institutions to regulate their own credit behavior and safeguard their own legitimate rights and interests according to relevant state economic legislation. This article intends to talk about the guarantee of economic contracts (of course, loan contracts) in accordance with the relevant provisions of the “General Principles of the Civil Law,” “Economic Contract Law,” “Loan Contract Regulations” and other laws and regulations, with a view to substantive workers in the handling of loans