认真执行“三查”制度是做好信贷工作的基础和前提。回归“三查”制度,就是要把信贷工作做真、做实、做好,脱离单纯追求速度和业绩的误区认真执行“三查”制度是做好信贷工作的基础和前提。近年来银行业金融机构各项业务取得了长足发展,经营业绩大幅增加,但在高速发展过程中也暴露出了一些问题。在信贷管理方面,重投放、轻管理、重抵押、轻经营(现金流)的情况不同程度地存在。在经济转型期,这些问题可能会对银行经营造成冲击。 Seriously implement the “three checks ” system is the foundation and premise of credit work. Returning to the “three checkups” system means that we should make credit work a reality, a solid and well-done credit system, and earnestly implement it without departing from the mere pursuit of speed and performance. The “three checks” system is the basis and premise for doing a good job of credit work. In recent years, various businesses in banking financial institutions have made great strides and their business performance has greatly increased. However, some problems have also been exposed during the rapid development. In terms of credit management, the situation of re-launching, light management, heavy mortgages and light business (cash flow) exist to varying degrees. In the period of economic transition, these problems may have an impact on the banking business.