Although security does not assure that the loan will repaid , it does reduce the risk , because the bank becomes a preferred creditor in the event of liquidation , and takes procedure over general creditors in the liquidation of any assets pledged to the bank as collateral 虽然抵押并不保证贷款必将得到偿还,但它能够减少风险,这是因为对以担保品形式抵押给银行的任何资产,银行可优先于一般的债权人得到清偿,成为清偿中的优先债权人。