名义借款人问题——客车按揭业务的风险防范重点

Nominal Borrower——A High Risk in Bus and Coach Mortgage Business

通俗地说，名义借款人，就是客车的实际购买人在银行贷款的“代理人”。从理论上讲．客车按揭贷款不应该存在非真实购车人的借款，即不应该存在名义借款人问题．但在实际工作中，代理他人贷款的名义借款人不仅存在，甚至还非常普遍。名义借款人问题．已经成为客车按揭贷款业务中常见的问题，应当引起我们的高度重视。

The issue of nominal borrower has widely existed in bus and coach mortgage business, which＇ha＇d caused serious .Ik problem and worst impact among the industry. The article introduced in details the types, original reasons, damages and prevention of nominal borrower by analyzing several true cases.