“假按揭”目前已经成为困扰商业银行个人住房贷款经营的重要问题。同时,随着我国房地产市场的发展,个人住房贷款的安全性对我国金融安全的影响将越来越突出。本文通过分析“假按揭”的成因、特点,使读者对“假按揭”有了一个较全面的认识。同时针对“假按揭”对社会带来的危害,提出了四条解决问题的建议,以帮助商业银行防范“假按揭”,提高资产质量。 “Fake mortgage” has now become an important issue that plagued commercial banks to operate individual housing loans. Meanwhile, with the development of China’s real estate market, the impact of personal housing loan safety on China’s financial security will become more and more prominent. By analyzing the causes and characteristics of “false mortgage”, this article gives readers a more comprehensive understanding of “false mortgage”. At the same time, according to the harm that “fake mortgage” brings to society, we put forward four suggestions to solve the problem to help commercial banks prevent “false mortgage” and improve asset quality.