In recent years, credit cooperatives based on service "three agriculture", to industry based, with farmers as the foundation, and vigorously promote the peasant joint guarantee loan and loan scale, expand the coverage of the development of agriculture, strongly support the county and community economy. However, in the past two years, city and county level two inspection and documents are the top bogus loans as the breakthrough in hand to improve the quality of credit assets, see the top false loans in the credit cooperatives have occurred from the actual situation, bring great risks to the credit funds safety, and become one of main causes of credit cooperatives case occurred. Therefore, I top bogus loans reasons and preventive measures about some of their own views:
    One reason, top bogus loans generated. Subjective is part of the staff is not strong sense of responsibility, system, legal awareness and risk prevention awareness, personal desires expansion; the objective is the internal control system is not perfect, the loan "three check", censoring and accountability system becomes a mere formality, supervision is not in place, the credit position personnel selection and appointment is not reasonable for the formation of the top false loan offers opportunities
    Form two, top false loans. The top false loan refers to the actual demand of loans for a variety of reasons, they cannot obtain the required loan on credit through the normal procedure, so as to take in other's name to obtain illegal loans in the credit cooperatives. (assume sb.'s name and nature of the distinction under the name of another loan is informed and uninformed, these loans are more serious) top form false loans mainly have the following several kinds:
    1, credit is part of the customer manager directly or indirectly engaged in commercial activities, when you need money, often take the top false loans issued since the number of auto loan fraud or forgery (mainly take the user ID and credit loan certificate, Sike false seal, imitation borrowers signature to borrowers in the name of credit cooperatives for loans).
    2, credit customer manager's near relatives need loans and loans do not meet the conditions, client manager will likely take in other's top false loans issued relationship lending.
    3, at present, credit cooperatives to strengthen credit management to strictly control loans transregional, has formulated strict punitive measures. Because the trans regional loans more obvious, client manager to escape the transregional loans, will take the name of others in the area of the top false loans issued transregional loans.
    4, although the borrower complies with the conditions, but have to handle loans, in accordance with the provisions can not be issued to the. In this case, the client manager if you want to handle the loan business, it may take the top false loan issuance in fact big base lending (some with enterprise legal person or the shareholder's loans to enterprises to use).
    5, at present, credit cooperatives have implemented strict loan authorization system, customer manager only loans within authorization, if exceed their authority, reported to the right people for to customer manager. When for some reason not approval and the ideal customer loans, account manager will likely take top false loan issuance super authority loan, the loan authorization to become a mere scrap of paper.
    6, customer manager to evade supervision, at the same time with the name of more than two people false or assume sb.'s name for more loans, used by one.
    Three, the top false loan risk. The top false loans are obtained by means of cheating loan, is a kind of strong concealment of illegal loans, to circumvent the credit management system of censoring, grading examination and approval, the loan investigation, loan before the review form, cause beyond authority, cross regional, multi loans and other loans more hidden, increased credit agency loan risk, brings great risk to the safety of credit funds.
    1, top bogus loans reduced the quality of credit assets is the top false maximum risk loans exist, because the top false loan debt and loans use a deed of separation, the rights and obligations wrong, after the expiration of the loan actual a person often does not perform the obligation of repayment, the majority will cause the loan dispute, causing serious adverse effects to the quality of credit assets.
    2, top bogus loans to credit management system difficult to implement. Credit cooperatives has formulated the strict credit management system, strictly guard against self -, super powers since the number of loans, loan, trans regional loans piling large loans, however, customer manager often take the top false loans from the credit management system, the formation of risk.
    3, top bogus loans fake farmers, so that does not meet the credit support to farmers, non farmers, and even corporate to obtain loans, and this should be supported by loans to farmers is difficult, the rural financial policies are effectively implemented at the grassroots level cannot be. At the same time, top bogus loans also tend to credit personnel using powers violate discipline to credit, loan s, lending to households "eat, take, card, want to", do not see the benefits and not work, seriously affected the social image of credit cooperatives.
    4, credit cooperatives for granting top bogus loans, must bear the legal liability caused by the potential loss, very likely translate into real loss. The top false loans are often the credit staff and a person of collusion, collusion results, took advantage of his position to a person to provide the relevant information, put forward the civil claim, in that are purported to credit cooperatives may at the same time, because of these loans in violation of relevant financial laws and regulations, supervision department will be severely investigation of alleged illegal crime, relevant personnel will be retroactive liability.
    5, it avoids the loan grading examination and approval system, ultra vires grant loans. Violation of the "general loans" about "the lender shall establish censoring, grading approval of the loan management system", "according to the provisions of the provisions of the authority for approval". Director, some credit officers because some people loan amount is large, and no collateral, reported to the examination and approval and hopeless, so take a break up the whole into parts, attribution, assume sb.'s name way helped them get a loan.
    6, it violates the provisions of large loans generally have secured the loan risk, anti. "The people's Republic of China Commercial Bank Law" thirty-sixth article: "commercial bank loans, the borrower shall provide a guarantee." "After examination, evaluation of commercial banks, to confirm the good borrower's credit, it can repay the loan, can not provide guarantee." One can not use the real name a deed of borrowers, is obviously not in conformity with the provisions of good information. So the borrower to circumvent the loan risk and the risk to the lender.
    7, it violates the "loan general clauses" on loan "three of" the relevant provisions of the investigation, the loan, loan before the review as a deceive oneself and others, deceive the inspection.
    8, it is a product of a person and the credit staff collusion, collusion, malpractice. Some credit agency staff and some private business owners, a specialist in some vague, unclear relationship, idle away in seeking pleasure become integrated with, resulting in corruption, regardless of credit capital safety, even for those who try various devices to loan.
    Four, measures to prevent false to assume somebody's name loan
    The top false loans have become the credit cooperatives a cancer on the body, a serious erosion of the healthy operation of credit cooperatives. To solve the "top bogus loans" problem, I think should be mainly from the following several aspects:
    1, improve the internal control system, and implement the plan, to prevent the system a mere formality, risk control from the source. At the same time, to establish a scientific evaluation system, to avoid some grass-roots agency in order to complete the task and resort to deceit.
    2, adhere to the people-oriented, strengthen the work of Ideological and political work and occupation moral education, improve the comprehensive quality of credit personnel. To strengthen credit construction, improve the overall quality of staff. The establishment of orderly, the flow of credit personnel complement mechanism, especially for the newly recruited university students to adjust to the credit of post exercise, improve the credit staff age structure and the knowledge structure as soon as possible. To strengthen the credit personnel training, develop annual training plan, implement and test system of training, to ensure the training effect.
    3, strengthen credit management, strict implementation of censoring system, carefully review the borrower processing information, prevent Piandai through false information; strictly examine the borrower uses, he used to prevent the borrower for. Strengthen post loan management, track inspection system implemented after the loan, to randomly change the loan applications to immediately recover loans and loan qualification. Strengthen the credit check authenticity, often carry out loans outside the nucleus, the timely discovery and treatment top bogus loans, and to strictly pursue the relevant personnel responsible.
    4 of employees, business and commercial bribery effectively combat. Completely stop business or run enterprises credit members involved in doing business, reduce the likelihood of top false loans in the internally generated from the source.
    5, vigorously carry out credit engineering activities to create, to strengthen the education of integrity to the customer, to improve customer credit consciousness, create a good credit environment; strengthen financial legal knowledge propaganda, constantly enhance the legal awareness of customers, allows customers to fully understand the top false loan legal risk and responsibility, so as to strengthen the prevention, resist the initiative Ding these loans; explore the establishment of customer credit publicity system, effective fan top bogus loans.
    6, to speed up the credit business innovation, make the greatest efforts to meet the reasonable demand for capital loans to households. According to different borrowers capital demand, market segments, to improve the credit amount, the extension of the loan period, vigorously promote joint UNPROFOR, broaden the guarantee condition, increase the variety of services, innovative services and other measures, meet borrowers normal funding requirements, increase support force.
    7, a credit officer appointment system, credit union member is unified management, formulate specific measures, to really make it out of the agency's assessment, given the credit officer loan review power, supervision power and veto power, make the credit officer really play its due role.
    With the deepening reform of credit system, the business to achieve rapid development, however, the top false means to obtain loans from credit cooperatives have occurred from time to time. Therefore, pay attention to the top bogus loans must, take effective prevention and control measures, to prevent the spread of.