近日，笔者在信贷检查中发现，一些社的贷款不同程度地存在着借款人名不属实的现象，即个人借款单位用、张三借款李四用。之所以出现这种情况，不外乎两种原因：一是借款人曾使用过贷款并且已形成风险或借款人不具备贷款条件，此种属借款人骗贷行为；二是信用社受单笔贷款权限? Recently, the author found in the credit check, some of the community loans to varying degrees, there is the phenomenon of borrower name is not true, that is, personal borrowers, Zhang borrowed four. The reason why this happens, but for two reasons: First, the borrower has used the loan and has become a risk or the borrower does not have the loan conditions, this is a borrower’s credit fraud; second credit by a single Loan authority?