本文对金融担保机构、商业银行道德风险进行了详细的介绍,并且阐述了如何正确处理担保机构与银行的关系以及降低银行员工道德风险产生的有效措施,从而来防范这类骗贷案件的再次发生。 This article gives a detailed introduction to the moral hazard of financial guarantee institutions and commercial banks, and expounds how to deal with the relationship between guarantee agencies and banks properly and how to reduce the moral hazard of bank employees so as to prevent the recurrence of such cases. .