中国农业银行鄂尔多斯分行信贷业务精细化管理实施方案设计
发布时间：2019-04-02 06:37
【摘要】：鄂尔多斯农业银行经过多年的发展,信贷管理水平不断提高,风险防范能力不断增强,但是也存在信贷制度执行力不够、信贷“三查”质量不高、“三个办法、一个指引”落实不够到位、对贷款资金使用监管不严、信贷从业人员素质较低等问题。因此,鄂尔多斯分行必须实施信贷业务的精细化管理,规范信贷业务操作行为,实现风险的精准控制,只有这样才能保证全行追求长期成功的目标得以实现。 本方案是站在全行信贷业务经营发展现状的角度,对进一步提高信贷管理水平提出具体工作意见。信贷业务精细化管理的主要内容是明确提出全行信贷精细化管理的总体要求和目标任务,结合全行业务经营实际,制定切实可行的信贷战略规划管理,作为全行信贷业务发展的总纲领,积极调整优化信贷资产结构；从梳理信贷政策制度着手,规范信贷业务受理、调查、审查、审议与审批、信贷业务实施及贷后管理等操作流程,特别是加强调查的真实性、完整性和有效性,提高信贷审查质量和效率,规范用信审核工作,不折不扣执行贷后管理各项规章制度,关注集团性客户、小企业客户、个人及表外信贷业务风险；积极认真开展客户的年审工作；通过加强培训、组织学习、竞赛活动等方式,切实提高全行信贷从业人员的整体素质水平。
[Abstract]:After years of development, the Agricultural Bank of Ordos has continuously improved the level of credit management and the ability to prevent risks. However, there are also three ways to improve the implementation of the credit system, the quality of the "three checks" of credit, and the "three measures". A guide is not enough in place, the use of loan funds are not strictly regulated, the quality of credit practitioners and other issues. Therefore, Ordos Branch must carry out the fine management of credit business, standardize the operation behavior of credit business, and realize the precise control of risk. Only in this way can the goal of pursuing long-term success of the whole bank be realized. From the point of view of the current situation of credit business development in the whole bank, this scheme puts forward concrete suggestions on how to further improve the level of credit management. The main content of the meticulous management of credit business is to clearly put forward the overall requirements and target tasks of the fine management of credit throughout the bank, and to formulate feasible strategic planning and management of credit in the light of the actual operation of the whole bank. As the general program for the development of credit business of the whole bank, actively adjust and optimize the structure of credit assets; Starting with sorting out the credit policy system, standardizing the operational processes of accepting, investigating, examining and approving the credit business, implementing the credit business and managing after the loan, in particular, strengthening the authenticity, integrity and effectiveness of the investigation, Improve the quality and efficiency of credit review, standardize the use of credit audit work, fully implement the post-loan management rules and regulations, pay attention to group customers, small business customers, individuals and off-balance-sheet credit business risks; Actively and conscientiously carry out the customer's annual audit work; through strengthening training, organizing learning, competition activities and other ways, effectively improve the overall quality level of the credit practitioners of the whole bank.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2452342
[Abstract]:After years of development, the Agricultural Bank of Ordos has continuously improved the level of credit management and the ability to prevent risks. However, there are also three ways to improve the implementation of the credit system, the quality of the "three checks" of credit, and the "three measures". A guide is not enough in place, the use of loan funds are not strictly regulated, the quality of credit practitioners and other issues. Therefore, Ordos Branch must carry out the fine management of credit business, standardize the operation behavior of credit business, and realize the precise control of risk. Only in this way can the goal of pursuing long-term success of the whole bank be realized. From the point of view of the current situation of credit business development in the whole bank, this scheme puts forward concrete suggestions on how to further improve the level of credit management. The main content of the meticulous management of credit business is to clearly put forward the overall requirements and target tasks of the fine management of credit throughout the bank, and to formulate feasible strategic planning and management of credit in the light of the actual operation of the whole bank. As the general program for the development of credit business of the whole bank, actively adjust and optimize the structure of credit assets; Starting with sorting out the credit policy system, standardizing the operational processes of accepting, investigating, examining and approving the credit business, implementing the credit business and managing after the loan, in particular, strengthening the authenticity, integrity and effectiveness of the investigation, Improve the quality and efficiency of credit review, standardize the use of credit audit work, fully implement the post-loan management rules and regulations, pay attention to group customers, small business customers, individuals and off-balance-sheet credit business risks; Actively and conscientiously carry out the customer's annual audit work; through strengthening training, organizing learning, competition activities and other ways, effectively improve the overall quality level of the credit practitioners of the whole bank.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
【参考文献】
相关重要报纸文章 前1条
1 中国建设银行党委书记 董事长 郭树清;[N];人民日报;2010年
，本文编号：2452342
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