“私款公贷”即金融员工将自己的钱以行社的名义贷给他人 ,从中牟利的行为。据了解 ,这一现象在少数基层金融机构时有发生。其原因主要有两点 :一是部分基层金融机构放贷手续太繁琐 ,一般非银行存单作质押不贷 ,有的银行甚至规定 ,非本行存单作质押一律不贷。放贷手续过于繁琐 “Personal loans” are the behaviors that financial employees use to lend their money to others in the name of a travel agency for profit. It is understood that this phenomenon has occurred in a few grassroots financial institutions. There are two main reasons for this: First, the lending procedures of some grassroots financial institutions are too cumbersome. Generally, non-bank deposit certificates are not pledged. Some banks even stipulate that non-bank certificates of deposit should not be pledged. Loan procedures are too complicated