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我国商业银行个人住房贷款业务近几年取得了长足的进步,但“假房贷”所引发的经营风险严重阻碍了该项业务的健康发展。本文分析了“假房贷”的概念和特征,并从宏观和微观两个层面对“假房贷”的风险防范提出了对策和建议。
In recent years, the personal housing loan business of commercial banks in our country has made great strides, but the business risks arising from “fake loans ” have seriously hindered the healthy development of the business. This article analyzes the concept and characteristics of “fake mortgage” and puts forward countermeasures and suggestions on the risk prevention of “fake mortgage” from the macro and micro levels.