If the company submits false income certificates to the bank, and the bank issues credit cards or approves mortgages for the applicants according to these income certificates, the unit may bear legal responsibility. The reason is that the unit is subjectively knowingly and intentionally, which does not rule out the "malicious collusion" between the unit and the employee, which constitutes infringement. Banks can pursue the civil liability of the unit through tort litigation.
I would also like to remind netizens that employees' requests for "proof of income" higher than the actual income should be rejected: if it is really difficult to shirk, employees can issue a letter of commitment at the same time, promising that the proof of income is higher than the actual salary, which is limited to the need of buying a house or a car and cannot be used for other purposes, otherwise the losses caused to the unit will be borne by the employees themselves. In this way, the risk of "proof of income" can be solved.
Legal basis: Article 9 of the Provisional Regulations on Wage Payment. If both parties to the labor relationship dissolve or terminate the labor contract according to law, the employing unit shall pay the employee's salary in one lump sum when dissolving or terminating the labor contract.