借款人挪用银行贷款的主要形式通过取现规避银行对贷款资金的监管。这种情形主要见于个人消费类贷款和生产经营型贷款中,银行将此类贷款资金直接划入借款人的个人 Borrowers embezzlement of the main form of bank loans through the cash to avoid the bank supervision of loan funds. This situation is mainly seen in personal consumer loans and production and operation of loans, the bank will be such loans directly into the borrower’s personal funds