抵销权对于银行来说,其重要性是不言而喻的,其在金融业务中发挥着几乎与担保制度相同的重要作用。由于其适用简便快捷,在现代社会中已成为银行维护自身债权的重要方法。银行在行使抵押权时,必须认真把握抵销权行使的条件,做到既不损害客户的权益,又能运用法律手段保护自己的权益。 The right of set-off is self-evident to banks and plays an important role in the financial business that is almost as important as the guarantee system. Because of its simple and quick application, it has become an important method for banks to safeguard their own claims in modern society. When exercising the mortgage, the bank must carefully grasp the conditions for the exercise of the right of set-off so as to protect the rights and interests of the clients without damaging the rights and interests of the clients.