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目前,抵押贷款已被各家银行奉为金科玉律,几乎是无抵不贷,工商企业资金难求,乃花招百出,欺诈现象便应运而生。前不久,湖北某工行对所辖1114家工商企业的抵押贷款的要素、合法性进行了彻底的清查,发现“多头”、“空壳”等欺诈抵押贷款竟占45.4％,而正常抵押贷款仅占43.2％。可见,欺诈抵押行为比例之高、牵涉之广、危害之大,实乃发人深思! 一、抵押贷款中的欺诈行为表现
At present, mortgage loans have been regarded as golden rules by various banks. They are almost irresistible loans. Difficult to find funds for industrial and commercial enterprises, they are all sorts of tricks, so the phenomenon of fraud has emerged. Not long ago, Hubei ICBC conducted a thorough inventory of the factors and the legitimacy of mortgage loans under the jurisdiction of 1114 industrial and commercial enterprises and found that 45.4% of fraud mortgages such as “long” and “shell” actually accounted for 45.4% of the total, while normal mortgages only Accounting for 43.2%. Can be seen that the high proportion of fraud charges, involving a wide range of hazards, it is really thought-provoking! First, the performance of fraudulent loans