经过前期的准备和磋商，12月6日上午，横琴法院和中国建设银行珠海分行、中国工商银行横琴分行、中国农业银行横琴分行举行拍卖贷签约仪式，共同签署《司法拍卖贷款合作备忘录》。横琴法院党组书记、院长蔡美鸿，中国建设银行珠海分行副行长何崇祥，横琴分行行长张冯，中国工商银行横琴分行副行长叶连彪，中国农业银行横琴分行副行长周刚志等出席了签约仪式。仪式由党组成员、执行局局长温建鸿主持。

After preliminary preparation and consultation, on the morning of December 6, 2018, the Hengqin Court and the Zhuhai Branch of the China Construction Bank, the Hengqin Branch of the Industrial and Commercial Bank of China and the Hengqin Branch of the Agricultural Bank of China held an auction loan signing ceremony and jointly signed the Memorandum of Cooperation on Judicial Auction Loans. Cai Meihong, Party Secretary and President of the Hengqin Court, He Chongxiang, Vice-President of the Zhuhai Branch of the China Construction Bank, Zhang Feng, President of the Hengqin Branch of the China Construction Bank of China, Ye Lianbiao, Vice-President of the Hengqin Branch of the Industrial and Commercial Bank of China, Zhou Gangzhi, Vice-President of the Hengqin Branch of the Agricultural Bank of China, and others attended the signing ceremony. The ceremony was presided over by Wen Jianhong, member of the Party Group and Director of the Executive Board.

图1

蔡美鸿院长与中国建设银行珠海分行副行长何崇祥签署备忘录

Photo 1

President Cai Meihong signing the memorandum with He Chongxiang,

Vice-President of the Zhuhai Branch of the China Construction Bank

图2

蔡美鸿院长与中国工商银行横琴分行副行长叶连彪签署备忘录

Photo 2

President Cai Meihong signing the memorandum with Ye Lianbiao,

Vice-President of the Hengqin Branch of the Industrial and Commercial Bank of China

图3

蔡美鸿院长与中国农业银行横琴分行副行长周刚志签署备忘录

Photo 3

President Cai Meihong signing the memorandum with Zhou Gangzhi,

Vice-President of the Hengqin Branch of the Agricultural Bank of China

长期以来，制约执行工作的一个重大问题是财产变现难。为破解这一难题，横琴法院在此前积极推行网络司法拍卖。但由于标的物价值较高且需一次性付清全款，在司法拍卖中财产处置成功率并未达到理想效果。横琴法院和三家银行签署备忘录并启动合作机制后，竞买人可以通过申请银行贷款的方式购买司法拍卖标的物，这将会打破交易瓶颈，吸引更多竞买人参与司法拍卖，显著提高司法拍卖成功率，加快涉案财产的处置和变现，有效提升法院执行工作效率以及社会效益。

For a long time, a major problem constraining the work of law enforcement was the difficulty of turning assets to cash. In order to solve this problem, the Hengqin Court previously practiced actively online judicial auctions. However, due to the high value of the subject matter and the need to pay the full sum at one time, the desired effect in respect of the success rate of property disposal in the judicial auction was not achieved. With the signing of the memorandum between the Hengqin Court and each of the three banks and with the launching of the cooperation mechanism, bidders can purchase the subject matter in a judicial auction by applying for bank loans. This will break the bottleneck of transaction, encourage more bidders to participate in judicial auctions, significantly improve the success rate of judicial auctions, and accelerate the disposal and cash realization of the property involved, thus effectively improving the efficiency of court enforcement and social benefits.