土地和房屋,是重要的抵押财产。以土地使用权或与土地使用权密切关联的房地产作为抵押,是被广泛采用的一种物的担保方式,相对于保证贷款风险较小,在维护交易安全方面发挥了积极作用。2000年以来,我国土地抵押贷款每年以40%左右的速度增加,占银行放贷的比重不断增大。但与此同时,以虚假土地使用权或房屋所有权抵押骗贷案件时有发生,给银行造成了巨大损失。因此,有必要在分析虚假土地使用权抵押骗贷的形式和原因的基础上,提出切实可行的防范对策,以维护金融机构的信贷安全和正常的市场交易秩序。 Land and houses are important mortgage properties. Taking the land use right or the real estate closely related to the land use right as collateral, it is a kind of widely adopted guarantee way of goods, which plays an active role in maintaining transaction security as compared with guaranteeing the loan risk less. Since 2000, China’s land mortgage loans have increased at an annual rate of about 40%, accounting for an ever-increasing share of bank lending. However, at the same time, the cases of fraudulent loans mortgaged by false land use rights or house ownership have taken place, causing huge losses to the banks. Therefore, it is necessary to put forward feasible precautionary measures based on the analysis of the forms and causes of fraudulent loans for the fake use of land to safeguard the credit safety of financial institutions and the normal order of market transactions.