论文部分内容阅读
随着农发行业务的不断拓展,信贷管理也必须进一步加强。笔者认为,要强化贷后管理工作,在具体操作做到“四个细化”。一、在客户划分上要细化,制定分行业、分类型、分客户的贷后管理细则对不同行业、不同规模、不同优劣的客户,其贷后管理工作差异很大。如农村收费性基础设施项目收益稳定,风险度低,贷后管理的难度相对小;而粮食企业、农业企业,受市场影响较大,
With the continuous development of the Agricultural Development Bank, credit management must be further strengthened. In my opinion, to strengthen post-lending management, in the specific operation to achieve “four refinement ”. First, in the division of customers to be refined, the development of sub-sectors, sub-types, sub-customers after-loan management rules for different industries, different sizes, different strengths and weaknesses of customers, the loan management vary widely. For example, rural fee-based infrastructure projects have stable income, low risk and relatively little difficulty in post-loan management. However, grain and agricultural enterprises are greatly affected by the market,