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在商业银行的个人信贷业务中,单位为银行客户向银行出具不实的个人收入证明,银行客户无法清偿债务后银行的损失为纯粹经济损失的一种。尽管在不同的国家其法律处理的路径不同,但其处理结果均为单位应承担相应的赔偿责任。根据法经济学的分析与我国的现行立法,我们认为单位应当向银行承担补充赔偿责任。
In the personal credit business of the commercial bank, the unit provides the bank client with false personal income proof to the bank, and the loss of the bank after the bank client can not pay off the debts is one kind of pure economic loss. Although the legal processing route is different in different countries, all the units that deal with the same result should bear the corresponding liability. According to the analysis of law and economics and the current legislation of our country, we think that the unit should assume the responsibility of supplementary compensation to the bank.