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随着邮政金融体制改革的不断深入,邮政储蓄银行(以下简称邮储银行)逐渐成为服务“三农”的一支重要力量。最近两年来,邮储银行在各项业务快速发展的同时,顶冒名贷款的现象也开始出现,这既给银行信贷资金安全带来风险隐患,也成为案件的一个诱因。及早关注,并采取有效措施予以防控,是当务之急。邮储银行顶冒名贷款的主要表现形式一是个人承贷,他人使用。贷款人受借款条件、授信额度限制,无法通过正常途径从邮储银行取得贷款,而以他人名义申请
With the deepening reform of the postal financial system, the Postal Savings Bank (hereinafter referred to as the Postal Savings Bank) has gradually become an important force serving “agriculture, rural areas and farmers”. In the past two years, while the rapid development of various businesses in the postal savings bank, the phenomenon of imposing loans has begun to emerge. This not only brings potential risks to the safety of bank credit funds, but also becomes an incentive for the case. Early attention and take effective measures to prevent and control is a top priority. One of the main forms of imposing loans by postal savings banks is personal loan, which is used by others. Lenders subject to loan conditions, credit limit, can not get loans from the Postal Savings Bank through the normal channels, and apply for the name of others