目前，某些金融机构采取吸储的方式为关系人发放贷款，社会上称之为“吸储放贷”，即：金融机构虽信贷资金不足，但为了达到放贷取利的目的，令贷款关系人为其招揽一定数额的存款，作为贷款准备金，此笔款项在贷款人还贷之前，存款人不得动用。这种行为的社会危害性是显而易见 At present, some financial institutions use loans to attract loans to related parties. In the society, it is called “absorbing and lending and lending”. That is, although the financial institutions have insufficient credit funds, they can make loan-related people solicit them for the purpose of benefiting from lending A certain amount of deposits, as a loan reserve, the amount of money before the lender repayments, depositors shall not be used. The social harmfulness of such behavior is obvious