去年初，笔者对基层商业银行不良贷款形成原因检查时，发现个别商业银行存在“公贷私担”的现象，即贷款企业将原有贷款通过办理转贷手续，落实相关联的个人承担。这种做法有诸多不妥：从承担贷款方的个人角度看，被转贷方认为贷款并非自己真实从银行获得的贷款，而自己在外追 At the beginning of last year, when examining the reasons for the formation of non-performing loans at primary commercial banks, the author found that there were “private loans” in individual commercial banks. That is, the lending enterprises passed the procedures for lending overdue loans and implemented the related personal commitments. There are many wrongdoings in this way: From the lender’s personal point of view, the lender thinks that the loan is not the one actually obtained from the bank, and is chasing afterward