本文从信贷实务操作行为入手,浅谈建立和健全信贷管理的十大制约机制。 一、政策制度制约机制 信贷行为必须寓于刚性约束之中,在服从国家宏观调控的前提下,按照国家产业政策,充分发挥信贷职能作用,促进国民经济持续、稳定、协调发展。因此,信贷管理人员必须转换思想,树立全局观念,适应经济、金融迅猛发展的形势需要。认真执行贷币信用政策、资金供应政策、信贷投向政策、贷款利率政策。信贷管理部门要将各项政策制度汇编成册,使信贷人员能随时进行自我对照,使社会资源得到最合理、最充分、最有效的运用,不断提高贷款使用的社会效益和经济效益。 This article starts with the practice of credit operation, and discusses ten restriction mechanisms of establishing and perfecting credit management. I. Restrictive Mechanism of Policy Institutions Credit behavior must be bound by rigid constraints. Under the premise of compliance with the state’s macro-control and in accordance with the state’s industrial policies, credit behavior should be given full play to the functions of credit to promote the sustained, stable and coordinated development of the national economy. Therefore, credit management personnel must change their thinking, establish a global concept, and meet the needs of the situation of rapid economic and financial development. Earnestly implement the loan credit policy, capital supply policy, credit policy, loan interest rate policy. Credit management departments should compile the various policies and systems so that credit officers can make self-comparison anytime, so that social resources can be used most rationally, most fully and most effectively, so as to continuously improve the social and economic benefits of loans.