各贷种贷后检查工作要求及信贷部工作总结(1)

各贷种贷后检查工作要求及信贷部工作总结(1)各贷种贷后检查工作要求及信贷部工作总结(1) 附件1 各贷种贷后检查工作要求小额贷款第一条贷后检查。贷后检查是及时发现和防范信贷风险的有效途径～小额贷款业务实行严格的贷后检查制度～按照“谁管户～谁检查”的原则～由管户信贷员负责贷后检查工作～承担贷后检查的责任。贷款发放后～管户信贷员必须对其负责的客户及时进行贷后跟踪检查～密切关注贷款的资产质量～发现问题及时向上级部门汇报～并采取有效的措施避免和减少贷款资金损失。检查时要做好贷后检查记录～并在信贷系统中完成相应的贷后检查报告。第二条如遇变更管户信贷...

各贷种贷后检查工作要求及信贷部工作总结 (1) 附件1 各贷种贷后检查工作要求小额贷款第一条贷后检查。贷后检查是及时发现和防范信贷风险的有效途径～小额贷款业务实行严格的贷后检查制度～按照“谁管户～谁检查”的原则～由管户信贷员负责贷后检查工作～承担贷后检查的责任。贷款发放后～管户信贷员必须对其负责的客户及时进行贷后跟踪检查～密切关注贷款的资产质量～发现问题及时向上级部门汇报～并采取有效的措施避免和减少贷款资金损失。检查时要做好贷后检查记录～并在信贷系统中完成相应的贷后检查报告。第二条如遇变更管户信贷员的情况～新管户信贷员和原管户信贷员之间应做好档案交接～原则上新老管户信贷员应共同拜访客户一次～至少新管户信贷员应拜访客户一次～并作为贷后检查登记。第三条贷后检查主要手段。我行小额贷款业务贷后检查主要手段包括:电话访谈、见面访谈、实地检查、查询人行征信系统、监测贷款还款账户等。电话访谈和见面访谈是指通过电话或见面的方式与客户沟通～了解客户的生产经营和家庭情况～判断客户的还款能力和还款意愿是否发生了变化,实地检查是指到客户家庭住所或生产经营的现场～实地观察客户生产经营情况～查看有关单据和实物～与了解客户生产经营、家庭生活情况的其他人员交流～综合评价客户贷their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 款风险。第四条贷后检查时间及频次。贷后检查按照检查时间及目的的不同～分为贷后首期检查、常规检查和特别检查三种。完成贷后检查后均应在管理系统中录入报告～同时将纸质贷后检查报告归档。每次贷后检查均应拍摄客户经营场所外观和经营场景的照片。 1.贷后首期检查:在贷款发放后的2至3周内,具体时间间隔可根据客户的贷款用途确定～尽量在客户开始使用贷款资金之后～但最长不得超过4周,～信贷员应到客户住所或生产经营现场进行贷后首期检查～完成贷后首期检查报告,要求客户提供资金使用相关交易资料和凭证～若借款人能提供全部交易资料和凭证的～将使用凭证复印或拍照打印存档～可不再填写《贷款支用报告书》,若借款人不能提供全部交易资料和凭证的～应由客户填写《贷款支用报告书》并签字。现场检查必须有影像资料,影像资料能够体现以下几点:?信贷员、客户,客户不在的～应包括参与生产经营的其他人员,在经营现场,?经营现场名称、招牌等外部影像及内部影像,?客户是否正常经营～经营是否有明显的重大变化,, 2.贷后常规检查:在贷款有效期内～客户能按期归还贷款本息的～信贷员可视具体情况不定期对客户进行贷后常规检查～原则上每两个月进行电话检查～每半年至少进行一次实地检查～并完成贷后常规检查报告, 3.贷后特别检查:对逾期超过3天的贷款～管户信贷员必须their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 与小额贷款营业机构小额贷款业务主管一同去客户住所或生产经营现场进行贷后特别检查与贷款逾期催收。在出现较大的市场风险或政策导向发生重大变化时～或获知客户生产经营或家庭发生重大变化～可能会影响客户还款能力时～也应立即对客户进行实地贷后检查。第五条贷后检查的内容: 1. 贷款资金实际用途, 2. 客户生产经营情况～经营收入、成本费用等影响客户还款能力的因素变化情况, 3. 客户婚姻状况、住址、联系电话等基础信息的变更情况, 4. 客户家庭成员人数及健康状况、家庭收入及支出情况等影响客户家庭还款能力的变化情况, 客户从其它金融机构的贷款情况及民间融资情况, 5. 6. 客户对外担保情况, 7. 担保变化情况～包括保证人或联保小组其他成员担保能力、资信状况等变化情况, 8. 客户是否有违法经营行为～是否卷入经济纠纷, 客户贷款本息按期归还情况～贷款逾期原因～形成不良贷9. 款的原因～贷款是否在诉讼时效期内, 10. 其他影响客户还款能力和还款意愿的情况。第六条检查结果处理。在贷后检查过程中～若发现贷款资金用途与合同约定用途不符～应根据实际用途风险状况决定是否提前收回已发放的贷款本息～或解除合同并要求客户承担违约责 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 3 - 任,若发现客户提供了虚假的证明材料而取得贷款的～应立即要求提前归还贷款本息～或解除合同并要求客户承担违约责任,若发现客户生产经营或家庭发生足以影响其还款能力的重大变化时～应及时采取措施～降低贷款风险～确保贷款能够安全回收。贷后检查中发现客户存在风险事项～经办人须及时向部门负责人汇报～制定相应的处理方案 ,属于重大风险事项的～还应及时报告风险管理部门和上一级行信贷业务部门。贷后检查中发现借款人未按照合同约定的还款计划及时、足额偿还贷款本息的～将该笔贷款进入贷款催收处理～若逾期达到一定期限则进入风险分类及资产保全处理。在贷后检查中发现客户经营过程中存在潜在风险的～经办人应提醒客户给予充分的注意～避免客户遭受不必要的损失。个人商务贷款第一条贷后检查贷款发放后～客户经理必须对其管户的借款人进行贷后检查～客户经理在贷后检查过程中要做好检查记录～形成贷后检查报告～并将贷后检查报告提交小企业主管岗审核。对于授信,或贷款～下同,余额在300万元以上的非低风险业务客户～应报上级行贷后管理岗审核。直辖市、计划单列市分行和二级分行小企业金融部贷后管理岗应对贷后检查工作定期抽查。贷后管理岗审核后应提交业务主管岗复核。其中～授信余额在50万元以下,含50万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的5%,授their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 信余额在50万元至100万元之间,含100万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的10%,授信余额在100万元至300万元之间,含300万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的30%。审核或复核后～认为检查不全面的～应退回管户客户经理要求重新检查。审核或复核同意的～应签署同意意见并结束流程。贷后检查包括贷后首次跟踪检查、贷后日常检查、还款资金落实检查。第二条贷后首次跟踪检查管户客户经理应在贷款发放后1个月内完成首次跟踪检查。管户客户经理应通过现场检查与非现场检查相结合的方式,对于第一次支用借款的新客户～应采取现场检查形式,～发起首次跟踪检查～通过调查客户账户资金划付、调阅支付凭证、信贷资金流向分析及审核有关合同附件等方法重点检查客户是否按约定用途使用资金。对于借款人自主支付方式下～信贷资金划转至他行同名账户的～管户客户经理应要求客户提供转至他行后的银行对账单、资金转出凭证等。管户客户经理应在检查完成后填写《个人商务贷款首次跟踪检查报告》。第三条贷后日常检查贷后日常检查是指授信发放后～管户客户经理按规定要求和频次～通过现场检查和非现场检查相结合的方式对客户进行日常检查。管户客户经理应在检查完成后填写《个人商务贷款日常检查报告》～并将检查中收集的相关资料作为检查报告的附件。 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 5 - 贷后日常检查重点包括:客户经营环境的检查～履约合作情况的检查～经营、财务、对外担保、投资、担保物情况检查～重大事项检查等～贷后日常检查均以自然年为基础确定检查频次。 ,一,对于风险分类为关注类或关注类以下或在已开展的贷后检查、业务检查中发现存在风险隐患的客户～至少每月进行一次现场检查～检查完成后填写《个人商务贷款日常检查报告》。 ,二,对于授信余额超过300万元的客户～至少每月进行一次非现场检查～检查完成后填写《个人商务贷款日常检查报告》,对于授信余额在300万元以下,含300万元,的客户～至少每季度进行一次非现场检查～检查完成后填写《个人商务贷款日常检查报告》。 ,三,对于授信余额超过100万元的客户～至少每半年进行一次现场检查～检查完成后填写《个人商务贷款日常检查报告》,对于授信余额在100万元以下,含100万元,的客户～至少每年进行一次现场检查～检查完成后填写《个人商务贷款日常检查报告》第四条还款资金落实情况检查对于采用“按月,季,还息、到期一次性还本还款法～一次性还本付息法～固定周期结息、按还本计划表还本～固定周期结息、任意还本”还款方式的贷款～需进行还款资金落实情况检查。还款资金落实情况检查由管户客户经理通过现场检查和非现场检查相结合的形式开展的方式开展～依据检查结果填写《个人商务贷款客户还款资金落实情况检查表》。 their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 检查重点包括:了解、落实客户的还款意愿、还款资金来源、预计还款时间等信息～并对潜在风险客户实施应急预案～启动客户退出程序,对正常还款的客户～维护好客我关系～做好续贷工作～防止客户流失。 ,一,贷款本金到期前一个月对于贷款余额在200万以下,含200万元,的非低风险业务客户～应电话提示客户～强调到期正常还款对其征信信息的影响,对于贷款余额在200万以上的非低风险业务客户～应上门拜访客户～强调到期正常还款对其征信信息的影响～检查企业生产经营情况～结合前期贷后检查情况、客户还款记录等～确定其还款资金能否到位。 ,二,贷款本金到期前三天电话通知客户～进行还款提示～要求客户在贷款到期前及时存入还款资金～并根据还款资金到位情况～确定潜在逾期、不良客户～准备实施应急预案。 ,三,贷款本金到期当天及时查询客户账户～根据还款资金到位情况～最终认定潜在期、不良客户～开始实施应急预案～及时采取风险处臵措施。小企业贷款第一条贷后检查实施工作由管户客户经理,或贷后检查岗,负责～一级支行营销岗或其他相关岗位人员根据需要提供适当配合。一级分行应视情况在辖区范围内采取统一的贷后检查管理 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 7 - 模式。 ,一,模式一:客户经理负责贷后检查的一级支行管户客户经理须按时开展贷后检查工作～根据检查结果填写贷后检查报告～将贷后检查报告提交小企业主管岗复核。对于授信余额在500万元以上的非低风险业务客户～应报上级行贷后管理岗审核。直辖市、计划单列市分行或直辖市、计划单列市分行的二级分行,若有,和二级分行小企业金融部贷后管理岗应对客户经理的贷后检查工作进行定期抽查。贷后管理岗审核后应提交业务主管岗复核。其中～授信余额在300万元以下,含300万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的20%,授信余额在300万元至500万元之间,含500万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的40%。 ,二,模式二:专职贷后检查岗负责贷后检查的一级支行贷后检查岗须按时开展贷后检查工作～根据检查结果填写贷后检查报告～将贷后检查报告提交小企业主管岗复核。对于授信余额在500万元以上的非低风险业务客户～应报上级行贷后管理岗审核。直辖市、计划单列市分行或直辖市、计划单列市分行的二级分行,若有,和二级分行小企业金融部贷后管理岗应对贷后检查岗的贷后检查工作进行定期抽查。贷后管理岗审核后应提交业务主管岗复核。其中～授信余额在300万元以下,含300万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的15%,their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 授信余额在300万元至500万元之间,含500万元,的非低风险业务客户～每年抽查率不得低于年初存量客户数的30%。 ,三,模式三:客户经理负责贷后检查的二级分行管户客户经理须按时开展贷后检查工作～根据检查结果填写贷后检查报告～将贷后检查报告提交贷后管理岗审核～审核后提交业务主管岗复核。 ,四,模式四:专职贷后检查岗负责贷后检查的二级分行贷后检查岗须按时开展贷后检查工作～根据检查结果填写贷后检查报告～将贷后检查报告提交业务主管岗审核。上述审核或复核后～认为检查不全面的～应退回管户客户经理,或贷后检查岗,要求重新检查。审核或复核同意的～应签署同意意见并结束流程。第二条贷后首次跟踪检查管户客户经理,或贷后检查岗,应在贷款发放后1个月内完成首次跟踪检查。管户客户经理,或贷后检查岗,应通过现场检查与非现场检查相结合的方式～发起首次跟踪检查～通过调查客户账户资金划付、调阅支付凭证、信贷资金流向分析及审核有关合同附件等方法重点检查客户是否按约定用途使用资金。对于信贷资金划转至他行同名账户的～管户客户经理,或贷后检查岗,应要求客户提供转至他行后的银行对账单、资金转出凭证等。管户客户经理,或贷后检查岗,应在检查完成后填写《小企业法人授信业务首次跟踪检查表》。 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 9 - 第三条贷后日常检查贷后日常检查是指授信发放后～管户客户经理,或贷后检查岗,按规定要求和频次～通过现场检查和非现场检查相结合的方式对客户进行日常检查。贷后日常检查分为贷后例行检查和贷后全面检查～对于两项贷后检查工作需在相同时间完成的～仅完成贷后全面检查工作即可。贷后日常检查重点包括:客户经营环境的检查～履约合作情况的检查～经营、财务、对外担保、投资、担保物情况检查～重大事项检查等。 ,一,对于风险分类为关注类或关注类以下或在已开展的贷后检查、业务检查中发现存在风险隐患的客户～至少每月进行一次例行检查,现场检查,～检查完成后填写《小企业法人授信业务贷后例行检查表》,至少每半年进行一次全面检查,现场检查,～检查完成后填写《小企业法人授信业务贷后全面检查报告》～可与额度年检合并。 ,二,对于授信金额超过1000万元的客户～至少每月以非现场检查为主～现场检查为辅～落实例行检查工作～检查完成后填写《小企业法人授信业务贷后例行检查表》,至少每季度进行一次例行检查,现场检查,～检查完成后填写《小企业法人授信业务贷后例行检查表》,至少每半年进行一次全面检查,现场检查,～检查完成后填写《小企业法人授信业务贷后全面检查报告》～可与额度年检合并。 their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. ,三,对于其他正常类客户～至少每季度进行一次例行检查,现场检查,～检查完成后填写《小企业法人授信业务贷后例行检查表》,至少每半年进行一次客户全面检查,现场检查,～检查完成后填写《小企业法人授信业务贷后全面检查报告》～可与额度年检合并。 ,四,不定期检查,可通过非现场检查方式～可不用形成书面检查表或检查报告,。第四条还款资金落实情况检查对于采用“按月,季,还息、到期一次性还本还款法～一次性还本付息法～固定周期结息、按还本计划表还本～固定周期结息、任意还本”还款方式的贷款～需进行还款资金落实情况检查。还款资金落实情况检查由管户客户经理,或贷后检查岗,通过现场检查和非现场检查相结合的形式开展的方式开展～依据检查结果填写《小企业法人授信业务客户还款资金落实情况检查表》。检查重点包括:了解、落实客户的还款意愿、还款资金来源、预计还款时间等信息～并对潜在风险客户实施应急预案～启动客户退出程序,对正常还款的客户～维护好客我关系～做好续贷工作～防止客户流失。还款资金落实情况检查分为以下三个阶段: ,一,贷款本金到期前一个月对于贷款余额在200万元以下,含200万元,的非低风险业务客户～应电话提示客户～强调到期正常还款对其征信信息的影响,对于贷款余额在200万元以上的非低风险业务客户～应上门 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 11 - 拜访客户～强调到期正常还款对其征信信息的影响～检查企业生产经营情况～结合前期贷后检查情况、客户还款记录等～确定其还款资金能否到位。 ,二,贷款本金到期前三天电话通知客户～进行还款提示～要求客户在贷款到期前及时存入还款资金～并根据还款资金到位情况～确定潜在逾期、不良客户～准备实施应急预案。 ,三,贷款本金到期当天及时查询客户账户～根据还款资金到位情况～最终认定潜在期、不良客户～开始实施应急预案～及时采取风险处臵措施。消费贷款-个人房屋贷款第一条贷款发放之后～贷款行应检查具备特定风险特征的业务～及时掌握借款人真实的还款来源与抵押物现状～以便尽早采取有效措施避免贷款损失。贷款检查工作由客户经理和风险管理岗共同承担。贷款检查工作通过查询征信记录、电话访谈、上门访谈、复核收入来源等方式开展。检查应形成《个人消费贷款贷后检查报告》～经贷款行业务主管审核通过后～留存纸质档案与系统记录。根据业务风险特征的不同～贷款检查分为常规抽查和特别检查。第二条常规抽查。贷款行风险管理岗对于当前还款正常的存量贷款～应按照每季度不低于一次的频率～抽查具备一定特征,具体特征根据业务实际情况选择。例如:借款人有多笔贷款～their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 或近一年逾期超过3次,的业务～进行现场或非现场检查～确认借款人具备足够的还款来源与较强的还款意愿。第三条特别检查。贷款行对于逾期超过10天的存量贷款～除按本办法规定进行催收外～风险管理岗、客户经理还应逐笔进行现场检查～判断借款人的还款能力与还款意愿是否发生恶化～及时采取限期归还、法律催收、提前收回、补充贷款担保等措施。消费贷款-额度类贷款第一条日常检查。额度类消费贷款额度生效后～客户经理和风险管理岗须开展日常检查～检查结果应记录于《中国邮政储蓄银行个人消费贷款贷后检查报告》～并经消费信贷业务业务主管复核。复核未通过的～应重新进行检查。第二条日常检查包括现场检查和非现场检查。对于额度下已支用贷款发生逾期、挪用等违约情况的客户～客户经理应逐笔进行非现场检查～并视情况由风险管理岗、客户经理进行现场检查。对于正常类贷款～风险管理岗应按《中国邮政储蓄银行个人消费贷款业务日常监管理工作规范,试行,》,见邮银办发„2012?352号,要求进行抽查。第三条日常检查的主要内容包括但不限于: ,一,借款人已支用贷款的使用与偿还情况。已支用贷款当前逾期超过30天的～应通过征信系统再次查询借款人的个人信用报告。 ,二,借款人是否发生职业、家庭等方面的重大变故。 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 13 - ,三,抵押物是否发生查封、冻结、扣押、受灾、拆迁、大修等重大变化。 ,四,对抵押物已出库并办理抵押注销登记的授信额度～检查个人信贷系统内额度是否已注销、未注销额度是否有贷款支用发生。贷款支用发生的～应立即办理额度冻结～并立即要求借款归还已支用的全部贷款,未注销额度的～应立即办理额度注销。消费贷款-汽车消费贷款第一条贷后检查贷款发放后～贷款行应检查具备特定风险特征的业务～及时掌握借款人真实的还款来源与抵押物现状～以便尽早采取有效措施避免贷款损失。信贷员应通过现场或非现场检查等方式～及时进行贷后检查～及时发现有关风险因素～提早采取有效的风险防范和化解措施～确保我行信贷资产安全。贷款检查工作由信贷员和贷后管理人员共同承担～贷后管理人员负责监督与指导～信贷员负责具体开展。贷款检查工作通过查询征信记录、电话访谈、上门访谈、复核收入来源等方式开展。检查应形成《个人汽车消费贷款贷后检查报告》～经贷款行信贷业务主管审核通过后～留存纸质档案与系统记录。根据业务风险特征的不同～贷款检查分为首次检查、常规检查和特别检查。非现场检查应在1个工作日内、现场检查应在5个工作日内完成并撰写检查报告。第二条首次检查每笔贷款发放后～贷后检查人员应及时对该笔贷款进行首次their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 跟踪检查: ,一, 检查时间首次检查应在每笔贷款发放之后15个工作日内完成。 ,二, 检查内容重点核实贷款用途的合规性与真实性～验证借款人购买的车辆、型号、车辆的用途是否与合同载明的相一致～向保险公司验证车辆是否购买保险、贷款行是否为车辆购买保险的第一受益人。 ,三, 检查要求 1. 贷后检查人员在检查过程中发现客户未按照约定使用信贷资金～或客户存在影响信贷资金安全因素及其他异常情况的～应及时查明原因～并提出整改意见, 2. 贷后检查过程中发现风险的～应及时发起风险预警～报告贷后管理岗核实～并下发行动方案建议。第三条常规检查在贷款有效期内～客户能按期归还贷款本息的～贷后检查人员可视具体情况不定期对客户进行贷后常规检查: ,一, 检查频次常规检查至少每季度应电话回访一次～每半年进行一次现场检查。 ,二, 检查内容 1. 电话回访应重点了解车辆的使用状况, 2. 现场检查应检查借款人、自然人保证人的主体资格、收入 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 15 - 状况及履约情况～应重点检查车辆的维修、折旧情况～是否发生过重大交通事故～是否影响到正常使用～抵押车辆的市场价格变化情况～车辆损耗程度～综合判断抵押车辆价值～测算车辆的最新抵押率等, 3. 检查抵押人是否按期购买保险～且确认保险第一受益人为贷款行。 ,三, 检查要求 1. 贷后检查人员应将收集的财务报告等书面材料一并作为检查报告的附件～提交复核、审核, 2. 贷后检查人员在日常检查中发现风险的～应在第一时间报告信贷业务部门负责人～并采取相关风险控制措施。第四条特别检查贷款行对于当前还款正常的存量贷款～应按照每季度不低于一次的频率～抽查具备一定特征,具体特征根据业务实际情况选择～例如:借款人有多笔贷款～或近一年逾期超过3次,的业务～进行现场或非现场检查～确认借款人具备足够的还款来源与较强的还款意愿。对借款人未正常归还贷款本金或利息的～应立即电话询问原因～如仍觉可疑的～应立即实施现场检查～查明未归还贷款的原因～判断原因的持续性和严重程度～并提出整改措施～向信贷业务部门负责人报告。日常检查中发现风险未消除的～应每月至少进行一次特别检查,现场,。 their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 供应链融资业务供应链融资业务贷后检查按照《中国邮政储蓄银行公司授信业务基本操作规程》、《中国邮政储蓄银行公司授信业务贷后管理办法》及《中国邮政储蓄银行供应链金融项下应收账款质押业务操作规程》、《中国邮政储蓄银行供应链金融项下动产质押业务操作规程》、《中国邮政储蓄银行保兑仓业务操作规程》相关要求执行第一条贷后检查包括首次跟踪检查、日常检查、专项检查以及还款资金落实检查等。贷后检查的详细内容见《中国邮政储蓄银行公司授信业务贷后管理办法》。第二条贷后检查工作基本流程:检查实施——检查结果复核——检查结果审核。第三条首次跟踪检查是指每笔信贷业务发放后,指每笔支用放款,～客户经理对客户的信贷业务进行的第一次检查。 ,一, 检查实施。客户经理应在每笔信贷业务发放后15日内～通过现场检查与非现场检查相结合的方式～发起首次跟踪检查～重点检查客户是否按约定用途使用资金。客户经理应根据检查结果～填写《中国邮政储蓄银行公司授信业务首次检查报告单》,以下简称“首次检查报告单”,。客户经理在检查过程发现客户未按照信贷合同约定使用信贷资金～应及时查明原因～并提出整改意见。在首次检查中发现预警信号的～应在第一时间将预警信号报告信贷管理岗～同时报告前台业务主管～并采取相关风险控制措施。 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 17 - ,二, 检查结果复核。贷后管理岗复核客户经理提交的首次检查报告单。复核后～认为检查不全面的～签署不同意理由～退回客户经理要求重新检查,复核同意的～签署意见～提交信贷管理岗审核。 ,三, 检查结果审核。信贷管理岗审核上报的首次检查报告单。审核后～认为检查不全面、不符合相关制度规定的～签署不同意理由～退回客户经理要求重新检查,审核同意的～签署同意意见并结束流程。第四条日常检查是指信贷业务发生后～客户经理按规定要求采取现场检查和非现场检查相结合的方式对客户进行日常检查。 ,一, 检查实施。客户经理进行日常检查～内容主要包括对客户基本情况和担保情况的检查～重点包括:贷款用途的检查～客户经营环境的检查～履约合作情况的检查～经营、财务、投资情况检查～重大事项检查等。客户经理应在检查完成后填写《中国邮政储蓄银行公司客户现场检查报告》,以下简称“现场检查报告”,～并将检查中收集的财务报告等资料作为报告的附件～一并移交给贷后管理岗进行检查复核。在日常检查中发现预警信号的～应在第一时间将预警信号报告信贷管理岗～同时报告前台业务主管～并采取相关风险控制措施。 ,二, 检查结果复核。贷后管理岗负责复核客户经理提交的现场检查报告。贷后管理岗经复核认为现场检查报告需要补充或修改的～提出补充或修改的内容及理由～将报告退回客户经理their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 进行补充调查。认为符合检查要求的～贷后管理岗签署意见后～提交信贷管理岗审核。 ,三, 检查结果审核。信贷管理岗应审核贷后管理岗提交的现场检查报告及附件～出具审核意见。审核无异议后～写明意见～终止日常检查流程。对不符合相关规定要求的、对风险分析不足的～应退回客户经理限期补充资料并重新检查。必要时～信贷管理岗也可对新授信客户、重点监控客户、变化情况较大的客户进行现场检查。第五条专项检查。根据监管部门要求或信贷管理的需要～信贷业务部牵头或要求前台部门对客户进行不定期的专项检查。各级行前台经营机构认为应该进行专项检查时～也可根据实际需要主动发起检查～并将检查情况报备信贷业务部。 ,一, 检查实施。专项检查可采取现场检查和非现场检查相结合的方式～检查完成后由前台经营机构客户经理根据要求撰写《中国邮政储蓄银行公司授信业务专项检查报告》,以下简称“专项检查报告”,。 ,二, 检查结果复核。贷后管理岗负责复核客户经理提交的专项检查报告。贷后管理岗经复核认为专项检查报告需要补充或修改的～提出补充或修改的内容及理由～将报告退回客户经理进行补充调查。认为符合检查要求的～贷后管理岗签署意见后～提交信贷管理岗审核。 ,三, 检查结果审核。信贷管理岗应对贷后管理岗提交的专项检查报告～出具审核意见。审核无异议后～写明意见～提交 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 19 - 部门负责人和行领导。对不符合相关规定要求的、对风险分析不足的～应退回客户经理限期补充资料并重新检查。第六条还款资金落实情况检查还款资金落实情况检查是指单笔信贷业务每次到期还本或付息前30天,期限较短的贸易融资业务应为每次到期还本或付息前10天,完成还款资金落实情况检查～通过对客户还款账户的查询～了解、落实客户的还款意愿、还款资金来源、预计还款时间等。如果客户还款意愿良好,无不良记录,也可不用进行还款资金落实情况检查。 ,一, 检查实施。客户经理应通过现场检查与非现场检查相结合的方式～并依据检查结果填写《中国邮政储蓄银行公司客户还款资金落实情况检查表》,以下简称“还款资金落实情况检查表”,,对同一客户、在未来30天内到期的多笔信贷业务可合并填写还款资金落实情况检查表,并提交贷后管理岗复核。客户经理在检查过程发现客户不能落实还款资金等预警信号的～客户经理在督促借款人积极筹集还款资金的同时～应在第一时间将预警信号报告信贷管理岗～同时报告信贷管理岗和前台业务主管～并采取相关风险控制措施。 ,二, 检查结果复核。贷后管理岗复核客户经理提交的检查表。复核后～认为检查不全面的～签署不同意理由～退回客户经理要求重新检查,复核同意的～签署意见～提交信贷管理岗审核。 ,三, 检查结果审核。信贷管理岗审核上报的检查表。审their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 核后～认为检查不全面、不符合相关制度规定的～签署不同意理由～退回客户经理要求重新检查,审核同意的～签署同意意见并结束流程。第七条贷后检查监督信贷管理岗负责贷后检查的监督工作～监控各经办行贷后检查情况～将在检查中发现的报告内容不实、不详、以及贷后检查行为不到位等问题记入《中国邮政储蓄银行贷后检查监督工作记录表》～定期反馈经办行前台经营机构～要求限期整改～同时向本部门领导报告。《中国邮政储蓄银行贷后检查监督工作记录表》所记录的问题将作为贷后检查工作通报、评价和尽职问责的依据。信贷管理岗负责上述检查过程中收集的客户资料、检查报告等资料在审核完成后提交信贷综合岗。信贷综合岗应在收到资料后移交档案管理部门～同时可留存复印件作为对客户持续性情况的跟踪记录。 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 21 - 信贷业务部2010年总结以及下一步的工作打算第一部分工作总结今年以来在市行的正确领导下～在全辖一二级支行的高度重视下～全行信贷战线上下积极抢抓机遇、应对挑战～紧密围绕年初制定的工作重点和计划目标～持续强化能力建设～克服了制约业务发展的各项不利因素～积极稳妥、高效有序地开展各项工作～信贷业务实现稳步发展。下面将全行2010年信贷业务经营指标完成情况以及我部主要工作汇报如下: 一、全行信贷业务完成情况截止12月31日～我行个人贷款结余达到万元～列全省第位～较年初提高位～小企业贷款余额万元～各类贷款本年余额增加万元～列全省第位～完成省行下达业务量计划的%～列全省第位。二、主要工作措施为贯彻市行稳健发展小额贷款业务～扩大住房按揭贷款业务的市场份额～突出发展个人商务贷款业务～促进全行资产业务又好又快发展的总体工作要求～我部采取了下列措施: ,一,以活动和绩效考核为指引～推进信贷结构的调整～their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 推动信贷业务的科学发展。一是今年以来,我部先后组织了“促转型～比贡献”、“凝心聚力～再创辉煌”、“服务小企业～实现新跨越”竞赛活动～根据市行总体工作安排～引导各支行紧紧围绕面向三农、服务个体工商户和小企业的基本发展思路～以小额贷款业务为支撑点～重点突破城市零售业务～积极推动小企业贷款业务～并配套组织了经营类贷款市场拓展对抗活动以及小企业走访营销活动～按月下发小额贷款、城市零售贷款、信贷资产质量以及活动通报～加强调度和督促～推动我行贷款业务实现快速发展。二是制定季度信贷业务考核方案～推动“三个转变”。即从考核业务量和质量～向业务量、质量和贷款结构并重转变～从业务结构“一刀切”向“区分区域～各有侧重”转变～从单纯的逾期率考核向关注逾期贷款迁徙转变。通过推进三个转变～实现了各类贷款的平稳发展～信贷资产质量也保持在较好水平。 ,二,加强小额贷款业务基础工作～提高营销工作的针对性。今年以来～我部先后下发了《关于进一步规范和完善县域村镇信息管理的通知》、《通知》～就完善村镇经济档案～农村贷款行业营销、农民专业合作社合作以及信用村建设进行了布臵和安排～要求各支行结合村镇信息的录入～对各自 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 23 - 辖内的农村市场深入细致分析～了解农村各行业的用款周期～重点关注农户购买种子、化肥、农膜、农药等农业生产资料的信贷资金需求、在村镇从事家电经营和农资经营的农户资金需求以及从事生猪、奶牛、禽蛋等菜篮子”农副产品生产的农户以及农民专业合作社社员的信贷需求～各行开发了畜牧养殖、棉花收购、土地承包和农资经销等行业～并初步建立了全辖自然村的经济档案～为开展有针对性的营销工作奠定了基础。 ,三,积极开展商户和小企业贷款客户营销～推进城市零售贷款和小企业贷款业务的发展。今年以来～我部先后组织开展“走百店～入千铺”上门营销活动和小企业走访营销活动～充分借助个私协、商会、协会等中间平台和房产、土地主管部门提供的企业信息以及房产和土地评估机构提供的评估客户信息～要求各支行利用短信平台、商函、特快、电话以及上门等多种形式～拓展商户以及小企业信贷市场。通过上述活动的开展～有力提升我行信贷产品的社会知名度和市场认知度。 ,四,进一步密切与房产中介的合作关系～推动我行住房按揭贷款业务实现高速发展。今年以来～我部进一步密切与房产中介的合作关系～在提高审查审批速度和效率的同时～通过定期回访客户和中介～在不违背政策规定的同时～不断调整审查审批的工作思their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 路～既控制了风险～又与广大中介建立了良好的合作关系～也为县区支行拓展业务提供了良好的服务～推动了我行住房按揭贷款业务的快速发展。 ,五,深入开展信贷业务宣传活动～提升我行信贷产品的社会知名度。今年以来～我部于第一季度和第三、第四季度分别下发了集中宣传方案～通过开展“迎春送福”入户宣传活动、“一村一牌”宣传活动以及各种形式媒体宣传活动～进一步提升我行信贷产品的社会知名度。 ,八,积极推进城市零售示范行建设,提升信贷经营水平。根据省行统一部署～今年以来我行积极推进城市零售示范行建设～从硬件设施、人员配备等方面给予了重点倾斜～信贷部门从组织结构、岗位职责、日常流程、业务操作、服务礼仪、客户营销、业务检查、内部培训、逾期管理等方面进行了规范～在总行开展的城市零售示范行创建活动中以总分81.5分的成绩暂列全国第二。 ,九,加强信贷管理～确保信贷健康发展 1、规范流程～加大培训和监督检查力度～严控信贷业务风险。一是建立电话回访制度。每日由市行后台人员对支行发放的贷款进行电话回访～监督信贷员制度以及“八不准”政 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 25 - 策的执行情况～严控人员道德风险。二是建立系统抽查制度。对所辖机构的信息录入情况进行抽查～对发现的问题进行跟踪落实～督促信贷人员树立规范操作意识, 三是规范业务操作流程。今年以来～我部先后下发了《关于严格执行贷款系统行业分类标准录入的通知》和《关于规范城市零售贷款影像资料标准的通知》～并按月下发《审批中心审批质量通报》～对信息系统录入、城市零售贷款贷款影像资料标准以及审查审批过程中进行了发现的问题进行了规范～并对相关责任人进行了处罚。四是加大监督检查力度。本年我部共组织业务检查12次～组织业务会审3次～下发风险提示10次～对所有信贷人员经办的各类贷款进行了抽查～重点对贷前调查、贷后检查以及贷款审查审批环节责任人的履职情况进行检查～下发检查通报15期～并对检中存在的问题进行了经济处罚～共计罚款27250元。五是加强信贷业务培训。结合小额贷款宣贯工作～我部采取业务检查、新业务宣贯相结合的方式完成了对全市所有信贷从业人员的信贷业务培训工作～进一步规范了小额贷款业务操作流程。同时～根据省行以及监管部门的要求～组织全行管理人员学习了“三个办法～一个指引”～并编制了《金融法律法规汇编》作为市行素质提升工程的的学习读本～为their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 全行员工特别信贷条线员工素质提升起到了促进作用。 2、加大逾期催收力度～通过绩效杠杆、建立逾期预警报告制度和分级催收制度、按月下发逾期分级管理文件以及信贷员逾期情况通报～先后下发了提升了各级支行对逾期催收工作的重视程度。第二部分 2010年工作打算一、工作目标各类贷款净增6.5亿元～贷款余额确保达到19亿元以上～力争20亿元,资产质量优良～小额贷款逾期率控制在0.85%以内～其他贷种逾期率控制在0.1%以内。各贷种目标如下: 小额贷款余额净增1.5亿元～余额达到7.2亿元以上, 个人商务贷款余额净增2.1亿元～余额达到4.8亿元以上, 住房按揭贷款净增1.4亿元～余额达到5亿元以上, 小企业贷款净增1.6亿元～余额达到2亿元以上, 二、工作思路下一步我部将在市行的正确领导下～积极推进“一二三四五”工程～即:坚持管理与发展并重这一中心思想～坚定信心、夯实基础、提升能力～坚持“两小战略”～强化信贷营销调查人员、审查审批人员、管理人员三支队伍建设～完善贷后支付管理、绩效考核、信贷员晋升退出以及违规行为 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 27 - 监督检查四项机制～开展好农户小额贷款行业营销、信贷服务点下沉、小企业上门营销、产品创新和信贷员作风建设五项工作。三、具体措施 ,一,以农村市场行业营销和网点下沉工作为抓手～积极发展小额贷款业务 1、深入开展农村小额贷款行业营销工作和优质客户挖掘工作～将“零售业务批量做”的市场模式进一步推向深入。一是充分利用和不断完善村镇经济档案～根据辖内各村镇经济和产业特点～确定每个季度的重点营销区域和行业～同时进一步加强与农民专业合作社、海洋渔业部门、畜牧防疫部门的联系～全面贯彻包村到人和包社到人制度～将“零售业务批量做”的市场模式进一步推向深入～有效破解农村小额贷款成本高、用款急、信息不对称的难题。二是重点突出乡镇的优质小额贷款客户营销～紧紧抓住各乡镇或自然村的农资经销商、农机经销商和乡镇家电经营商～建立“三商”贷款统计制度～定期分析汇总各行的客户挖掘工作～确保实现辖内“三商”客户营销工作的全覆盖。 3、完善区域小额贷款分布统计制度。利用一个季度左右时间完善辖内小额贷款客户村镇分布统计表～摸清辖内每个自然村或者行政村的客户分布情况～并建立定期报表制度～科学分析辖内信贷市场～逐步完成对辖内信用较好村镇their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 业务的全覆盖。 4、积极开展信贷服务点下沉工作～解决当前农村小额贷款战线过长以及信息不对称问题。针对当前我行县区支行信贷业务网点太少～小额贷款战线过长～调查成本过高以及信息不对称的问题～今年重点督促各支行开展信贷服务点下沉工作～除一类网点外～广饶县支行必须于3月31日前至少增开3个信贷服务咨询点～其余县区增开2处咨询服务点～每个点配备2名以上管户信贷员～逐步完成对辖内小额贷款服务网点的合理布局～提升业务受理和办理效率。 ,二,多措并举发展经营类贷款业务一是要通过划分行业条线～紧抓东营当地石油化工、橡胶、轮胎、盐化工、石油装备制造业、造纸等当地主导产业或者龙头企业的配套产业、企业以及油田物资供应入网企业～逐步掌握各行业的资金需求规律～开展有针对性营销,二是要延伸供应链、社会关系链～充分挖掘现有客户和目标客户的产业链、社会关系链上下游关联客户～开展延伸营销和联动营销,三是进一步密切同个私协会、行业协会、商会和经贸委的合作～利用个私协提供的个私协会员名单～督促各支行对注册资金在50万元-500万元之间的客户进行重点营。截止12月31日～东营浙江商会会员企业贷款余额达1600万元～可见商会会员企业贷款业务具有广阔的市场前景～因 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 29 - 此我部第一季度重点开展与东营市代理商商会、江西商会和家具协会的合作～对122家代理商商会会员以及部分协会会员企业逐户开展营销～并适时介入江苏商会的会员企业,四是要通过锁定区域地块～加强针对专业市场、特色商圈、写字楼、企业园区、经济开发区等交流与合作～实施分片包干、责任到人～定向维护营销,五是督促支行积极公关当地房管局、土管局、房产/土地评估机构等掌握抵押物分布信息的单位和个人～最大限度搜集目标客户信息。六是继续开展小企业上门营销活动～督促支行责任分配到人～由小企业贷款营销队伍主动上门“一对一”营销～提高小企业贷款营销成功率。 ,三,提升房贷市场份额和收益率～强化房贷风险控制一是高度重视房产中介机构的准入管理和风险控制～切实维护好渠道客户关系,通过制定房产中介维护政策～与全市主要中介建立长期畅通的合作关系～做中介和房贷客户首选。我部拟于1月中旬召开本年度房产中介座谈会～邀请目前已建立合作关系的36家中介进行座谈～并由市行信贷业务部牵头与天瑞等大型中介的合作。二是强化分析～紧盯政策～防范二手房贷操作风险。在高度关注全款交易后按揭贷款、无交易转按揭贷款的风险～严格按照制度要求的服务对象、贷款用途审批贷款。时刻关注宏观政策和监管部门关于房屋按揭贷款的首付款比例、利their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 率等要素的要求～避免因信息滞后而引发风险。高度重视对购买房产或抵押房产的现场调查和情况核实。高度关注抵押物入账～做到抵押物入账及时、有效。三是认真遴选客户～遵循风险定价机制～推行差异化利率～充分发挥有效房贷对利率的贡献程度。四是加强一手房市场开发和营销～力争年内有所突破。 ,四,独立审批～优化流程～强化审批中心能力建设。按照“统一标准～提高效率～提升水平、做好支撑”的总体要求～抓好审批中心建设～保证审查审批人员专职专责～确保审批中心独立运营～对一线做好支撑。细化审批中心规章制度～整理审批中心审批要点～规范和明确审批标准～统一政策标准及掌握尺度～优化审查审批流程～保障高效审批运营～继续执行限时审批制度～确保提报业务在24小时内处理完毕～提高审批效率。推进审批中心人员业务知识学习和交流的制度化～稳步提升审批中心人员风险意识及风险识别能力～增强对企业所在行业、企业生产经营、企业财务分析等各方面的研究能力～提高审批质量。 ,五,强化学习～主动营销～积极开展批发类贷款业务。下一步我部将按照省行的要求～完成华泰纸业的专项融资提款工作。同时～时刻关注黄河三角洲开发建设的重大基础设施建设项目和行业龙头企业在区域内的发展信息～重点关注东营市内的14家全省百强企业～确保1季度末前完成2 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 31 - 家以上企业的信用评级工作～争取2011年底再挖掘1-2个大企业贷款或者项目贷款。 ,六,积极开展产品创新和新业务开办申报～丰富产品种类一是积极开展小额贷款、个人商务贷款和小企业贷款的产品创新。结合目前我行开展的小额贷款行业营销工作以及上级行开展的动产质押调研～我部2011年将从满足市场需求和控制风险两个方面出发～积极开展产品创新工作～在小额贷款方面重点开展“棉花收购”和“油品运输”两项产品创新申报工作,在商务贷款方面～开展“出租车经营权质押”贷款产品创新,小企业贷款方面～总行在济宁分行开展动产质押试点工作～我部在充分借鉴同业的基础上～积极申报“油品质押”贷款。上述产品创新工作～根据业务条线同时启动～争取上半年完成2项以上产品的申报工作。二是积极申报消费类贷款试点资格。目前省行已在济南分行启动消费类贷款试点工作～我部将积极争取～根据试点条件开展相关准备工作～力争早日开办。 ,七,加强信贷队伍建设～持续提升队伍效能和风控能力队伍建设是信贷业务健康发展的前提～当前当务之急是稳定信贷队伍～强信贷营销调查人员、审查审批人员、管理their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 人员三支队伍建设～增强业务发展的后劲～提升信贷业务风控能力。 1、保持信贷队伍相对稳定～统筹协调各专业团队～平衡优化前后台人员配臵。对于经过培训胜任信贷业务的员工协调市行以及各县区支行人力资源管理部门尽可能留在信贷条线～保持基层信贷业务部主任的稳定性～保持业务发展的稳定性和业务管理的持续性,要平衡好前后台人员的配比～促进信贷营销调查人员、审查审批人员、管理人员三个队伍的建设工作～实现各项贷款业务协调持续发展。加强审查审批人的业务培训～切实提高审查审批人员的业务水平与专业素质～至少培养5名以上骨干的审批审查员～满足业务发展和风险管理需要。 2、增配人员～合理整合职能～提升产能。一是增配信贷员～为信贷业务发展奠定人力资源基础。目前我行管户信贷员与小企业客户经理合计共67人～根据省行最新统计数据～我行信贷人员人均管户金额和笔数为1809万元和200笔～分别居全省第2位和第1位～超全省平均水平608万元和49笔,其中小额贷款专做人员单产为230笔1244万元～管户笔数和金额均居全省第2位～分别超全省平均水平61笔372万元。我行2011年信贷业务净增计划在6.5亿元以上～在目前小额贷款专做人员管户笔数到达上限的情况下～需要增配人员以支撑业务发展的需要。 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 33 - 而且随着“三个办法”一个指引关于贷后支用管理和贷后检查工作的细化～信贷人员单笔工作量较进一步扩大～矛盾将更加突出～因此增配人员迫在眉睫。针对此种情况～要求县区支行信贷员必须到达15人以上～广饶县支行达到20人以上～城区信贷员总量达到20人以上～县区支行信贷业务部人员不得少于4人～以满足业务管理和发展的需要。上述工作必须于2011年3月底前完成。二是根据市场和人员情况～合理整合信贷员队伍职能。鉴于目前人员配备情况～第一季度所有信贷人员取消条线限制～一切围绕上规模开展工作～所有县城以及城区网点信贷员可以经办所有个贷产品和个人业务～实现信贷员角色从单一产品服务到综合客户经理的转变,随着新增人员逐步到位后～恢复业务条线划分～县区成立单独的城市零售和小企业营销队伍～市行对其单独调度、单独管理。 3、切实加强检查员履职检查～确保业务检查的有效覆盖。严格按照《关于印发<中国邮储银行山东省分行信贷业务检查员管理办法,试行,>的通知》,鲁邮银„2009?531号,的要求～督促检查员切实履行相应职责～并配备2名以上专兼职检查员。具体包括:市场调查、业务指导、人员培训、客户回访、系统抽查、现场检查、逾期督导等。确保检查员系统抽查每月检查比例不能低于当月贷款发放量的their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 20%～检查范围应覆盖所有管辖县,区,支行和发放贷款的信贷员。检查员每月都应对所管辖的县,区,支行至少完成一次现场检查工作～每个县,区,行的现场检查时间不能少于两天～每月现场检查时间原则不少于12天。检查员每月电话回访客户应覆盖所有发放贷款的结算区～回访总量至少占当月发放笔数的10%～现场回访的客户数不低于结余客户数的1%。每月至少监督两个一级支行完成业务学习～并对学习情况进行指导与点评。 ,八,强化四项机制建设～持续做好信贷队伍建设。一是完善贷后支付管理机制。按照我行现行产品信贷管理办法和操作规程～银监会“三个办法～一个指引”的相关要求特别是贷后支行管理无法得到有效贯彻～风险无法得到有效控制。2011年我部将在多方咨询、学习的基础上～根据监管部门要求～通过完善流程、明确“取现支付的充分理由”和“有效凭证概念”～逐步完善贷后支付管理机制～提高风险控制能力。二是继续完善信贷绩效考核机制～推动信贷队伍由单一信贷业务办理到全面业务营销的转变根据目前的信贷队伍绩效考核办法～信贷队伍的职能局限于单一的信贷业务～对全行其他业务的拓展无明确约束～明年我部在制定信贷绩效考核办法时～将逐步引入负债业务以及中间业务考核指标～推动信贷员由单一贷款办理向全功 -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 35 - 能客户经理的转变。三是完善信贷员准入退出机制～全面提升战斗力与凝聚力。认真落实信贷从业资格年审制度～第一季度开展信贷员晋级评价工作～稳步建立信贷员准入退出机制～有效调动信贷员的积极性和潜能～激发从业人员的能力提升。根据省行安排完成第一批信贷员资格年审考核工作～并根据有关制度要求会同人力资源部门组织对信贷员进行评定级别～制定详细的晋级、降级标准～对于优秀信贷员逐级晋级～并在客户量、业务量超过一定水平后及时进行客户拆分～保证服务质量。通过新进一批、淘汰一批～对于不符合岗位要求的信贷员采用调整岗位或者辞退的方式～逐步净化、优化信贷队伍～提升信贷员素质与能力～提高信贷员单产。四是完善信贷业务监督检查机制～不断提升业务管理水平。一方面通过持续、定期、非定期地开展小额贷款业务检查工作～有效结合现场检查与非现场检查、全面排查与业务抽查等方式～使业务检查工作常规化、制度化～保证各项业务管理制度的贯彻执行。我部将每季度组织一次会审～进一步强化针对所有业务的非现场检查～通过电话回访、系统抽查、档案调审、影像资料查阅等多种方式定期、不定期进行检查～逐步形成科学、立体、规范的非现场检查体系。 their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. 另一方面狠抓信贷人员职业道德教育～注重培养信贷员树立正确的世界观、人生观和价值观～增强员工自我保护意识和合规操作意识～使其严格执行制度～减少操作风险。下一步在严格遵守“八不准”要求的基础上～建立开展“五个一”活动。每季度组织一次信贷员专题会议、每半年组织一次谈心和警示教育、不定期组织问卷调查和亲属恳谈会～将信贷人员的作风建设的制度化、常规化～消除当前信贷队伍中存在的“懈怠、浮躁、畏难、冒进、自傲、蜕化”等“不良情绪”～着重培养信贷员树立正确的世界观、人生观和价值观～从源头上防止道德风险的发生。 ,九,“预防为主、标本兼治”～切实做好逾期管理工作。 1、做好“三查”工作～有效预防逾期贷款发生。一是切实做好“三查”工作～确保各级机构贷前调查“严”～贷中审查“细”～贷后检查“实”～加强信贷队伍管理、提升信贷员风险识别能力,二是以“开好审贷会”作为抓手～严把审查、审批关～杜绝行政干预～切实做好审贷会录音及其他档案资料整理保管工作～通过完善档案管理～达到对贷款全流程的情景再现～以明确各自责任, 2、做到“六个严禁、四个严防”～贯彻逾期分级～稳步提高信贷业务资产质量。一是督促各支行严格贯彻 “六个严禁、四个严防”的要求～确保“六个严禁～四个严防”要求的贯彻执行, -ly seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.cy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and activeX polihe policy for policy. Serious research about social support the development of cultural undertakings in the country and the Xmization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study tre optiquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-quality management management personnel, and strive to build a high-strial development, vigorously the introduction of highf induy to respond to market competition, improve management and operation of the market. At the same time, according to the need oe concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the abilitof cadres and workers of the existing business, firmly establish thowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -ieve leveraging the development, ensure that the value of stateto achpproval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, he framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and awin principle, in t-e group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winour) to promote the integration of resources. To further broaden their horizons, effective integration of resources within thet.(fwalking business road the competition of alienation and characteristics, the pursuit of stability and development of the mark ue, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength,f uniqperformance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number oe) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(thre 37 - 二是严格贯彻落实《关于做好逾期贷款风险分级管理工作的通知》的要求～开展逾期分级管理工作, ,五,开展责任追究工作～提升各级对信贷管理工作的重视程度。下一步我部将积极贯彻和落实贷款责任追究办法～配合审计部门和风险合规部门开展责任认定和不良资产移交～落实贷款责任～严格按照尽职免责～失职问责的原则开展工作～提升各级对信贷管理工作的重视程度。 4、做好逾期分析～努力盘活消化存量逾期贷款。做好逾期贷款的归因分析～不断吸取经验教训～加强逾期催收的组织与领导。对已形成的各项逾期贷款督促各级采取“区别对待～一户一策～盘活存量～科学催收”的原则～协调好信贷、风险合规、审计等相关部门在逾期管理方面的职责～注重催收效果～合理、有序清收逾期贷款。对采取一切必要手段仍无法收回的贷款～协助风险合规部门及时采用科学合理的资产保全措施。 their own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking win-win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of state-owned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of high-quality management management personnel, and strive to build a high-quality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development.

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