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信贷基础管理需常抓不懈,应通过构建制度建设、检查辅导、考核激励、学习培训四方面机制,持续提升信贷基础管理水平。2014年农发行开展了信贷基础管理年活动,对强化基础管理、防控信贷风险起到了积极作用,收到了良好效果。为巩固扩大活动成果,应重点从以下几个方面构建信贷基础管理长效机制,常抓不懈,持续提升信贷基础管理水平。一、构建制度建设机制,不断完善提高一是完善信贷制度出台流程。制度主办部门拿出制度初稿,必须经所有相关信贷业务部门审阅,必要时组织多部门讨论,对于
The basic management of credit needs to be constantly pursued. The mechanism of four aspects of system construction, inspection and guidance, examination and incentive, and study and training should be established to continuously improve the basic management of credit. In 2014, ADBC launched the year of basic credit management, which has played a positive role in strengthening basic management and preventing and controlling credit risks, and received good results. In order to consolidate and expand the achievements of the activity, we should focus on building a long-term mechanism for credit-based management from the following aspects and constantly improve the basic management of credit. First, establish a mechanism for institution building, and constantly improve and improve the process of introducing a credit system. Institutional sponsor department to come up with the first draft of the system, must be reviewed by all relevant credit business department, if necessary, organize multi-sectoral discussions, for