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金融系统是经济犯罪的多发区,在各种经济犯罪中,以银行为侵害目标的诈骗案日益增多。其中,贷款诈骗是较为突出的一种形式,主要有以下几种表现形式。1.伪造、虚构、盗用经县以上工商行政管理部门批准设立并登记注册的营业执照向银行骗取贷款。2.虚构拥有规定比例的自有资金的事实,或掩盖自有资金不足的事实。3.在担保贷款中,借款方为了达到“担而不保”的目的,利用担保单位管理
The financial system is an area where economic crimes occur frequently. In all kinds of economic crimes, bank-targeted fraud cases are on the rise. Among them, loan fraud is a more prominent form, mainly in the following forms. 1. Fake, fictitious and embezzled loans fraudulently obtained from a commercial bank approved by the industrial and commercial administration at or above the county level for establishing and registering a business license. 2. Fictitiously owns the fact that the stipulated proportion of own funds, or cover up the lack of own funds. 3. In the guarantee loan, the borrower in order to achieve “does not guarantee ” purposes, the use of security management