所 谓“曲线贷款” ,就是企业在银行取得贷款无望的情况下 ,由企业职工以申请个人消费信贷、个人创业信贷等方式取得贷款 ,转而将资金以职工入股的方式变为企业经营资金的现象。目前 ,基层银行“曲线贷款”呈现上升趋势。“曲线贷款”的发放表面上促进了个人消费信贷业务快速上 The so-called “curvilinear loan” refers to the phenomenon that enterprises obtain loans by applying for personal consumption credit and personal entrepreneurial credit when the banks obtain loans without any hope. Instead, they turn their funds into operating funds in the form of employee stockholding . At present, the “curve loans” of grassroots banks show an upward trend. The issuance of “Curve Loans” has promoted the rapid development of personal consumer credit business