论违法发放贷款罪

违法发放贷款罪，主要表现为银行或其他金融机构的工作人员违反法律，滥用职权，在贷款调查、审批、订立合同等环节上违法操作，对不符合贷款条件的人发放贷款，造成重大损失。为从根本上杜绝违法发放贷款罪的发生，必须建立贷款回避制度，建立健全严格的贷款岗位责任制和制约监督机制。

The crime of granting illegal loans means the crime committed by those bank and financial staff who,by a busing their powers in loan investments, examining and approving loans, and signing contracts, provide illegal loans As a result, enormous losses are caused In order to avoid such cases a sound and strict system of personal responsibility and supervision must by established.