This is illegal.
False mortgage loans are harmful;
On the one hand, fake mortgage will hurt some unsuspecting consumers, because if the consumer's loan finally defaults, there may be bad records in his personal credit record, which will lead to a negative evaluation of personal credit, which is harmful from the perspective of the so-called unsuspecting consumers.
Even informed consumers may bear corresponding civil liabilities if they help to sign. After the loan from the bank, the loan should be repaid, but this is not what consumers really mean.
Extended data
The risk of car loan is not only diverse, but also involves a wide range of factors, including personal credit, system construction, risk control and so on, covering individuals, sellers, auto credit service companies and banks.
Chen Mingzhong, deputy general manager of the Consumer Credit Center of China Industrial and Commercial Bank of China Shanghai Branch, divided the auto credit risk into different intervals, such as pre-lending, repayment period, overdue, default and evasion. He summarized the causes of credit risk into three aspects: the defects of credit policy and business process, including loose credit terms, opaque finance, excessive leverage, incomplete credit files, excessive dependence on collateral, etc.
The monitoring of loan types and credit portfolios is lax, including false mortgage, excessive business growth and illegal operation; The risk mechanism is imperfect, the follow-up is insufficient, the supervision is insufficient, and the litigation means are not smooth.
Jia, chief analyst of China Automobile Industry Consulting and Development Company, thinks that the most important thing is banks. He said that whether it is "direct customer service" or "indirect customer service", it is a trick for banks to pass on risks. No matter what way the car loan is, it is ultimately inseparable from the bank's money.
Therefore, the key is that banks should strengthen risk control, strengthen management, do a good job in customer survey, closely follow the repayment situation, and formulate different treatment methods according to different situations.