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笔者在作业监督中发现,个人贷款借款人提供的收入证明具有如下几个特点:一、政府机关、行政事业单位、学校、幼儿园等单位开出的工资收入证明同当地经济发展水平和工资水平相符合,可信度较高。二、大中型国有企业如电力、钢铁、五矿,以及股份制银行等管理规范的企业职工的收入较为真实,收入证明与流水较为统一。三、私营业主、自雇人士开出的收入证明工资收入金额较大,而实际流水不足以支持该收入证明金额。如果对此提出异
The author found in the operation supervision that the loan certificate provided by the borrower for personal loans has the following characteristics: 1. The wage income proof issued by the government agencies, administrative institutions, schools, kindergartens and other units is consistent with the local economic development level and wage level In line with the higher credibility. Second, large and medium-sized state-owned enterprises such as power, steel, Minmetals, and joint-stock banks and other management practices of corporate employees more real income, income and water flow is more uniform. Third, private owners, self-employed people out of income proof that the amount of wage income is large, and the actual water is not enough to support the amount of proof of income. If this is made different