开展经常性的信贷检查,是加强收购贷款封闭管理的有效手段。盘锦市分行从强化信贷管理入手,开展了经常性的信贷检查。为确保这一工作有效进行,成立了工作组,以信贷部门为主,抽调稽核、会计业务骨干参加,开展常年性的检查工作。主要任务是加强对基层行的检查辅导,重点解决实际工作中的难点问题,对存在的问题督促整改,总结好的做法和经验。在形式和内容上采取单项的、全面的、专题的、综合的、独立的、联合的方法。一年来,开展全面的信贷检查三次、专题检查和调查五次、与人民银行联合检查两次、配合上级行检查一次、随时单项检查若干次,使检查工作贯穿于全年工作的始终。同时,作为强化管理的重要手段,不但注意了检查的经常性和时效性,更注重检查的质量与效果。本着发现问题,解决问题,促进提高的要求,每次组织的检查事先都 Carrying out regular credit checks is an effective measure to strengthen the closed management of acquisition loans. Panjin City Branch started with strengthening credit management and conducted regular credit checks. In order to ensure the effective progress of this work, a working group was set up, with a credit department as the main body, to draw up audits and participate in the backbone of accounting business and carry out perennial inspection. The main task is to strengthen the examination and guidance to the grass-roots level, focusing on solving practical difficulties in the work of the existing problems and urge rectification and reform, summed up good practices and experiences. Take a single, comprehensive, thematic, integrated, independent and joint approach in form and content. In the past year, the Bank carried out three full credit checks, special inspection and investigation five times, joint inspection with the People’s Bank of China twice, inspection with superior authorities once and several inspections at any time to ensure that inspections work throughout the year. At the same time, as an important means of strengthening management, we not only pay attention to the regularity and timeliness of inspection, but also pay more attention to the quality and effectiveness of inspection. In the discovery of problems, solve problems and promote the improvement of the requirements of each organization prior to inspection