(1) Commercial banks should establish risk awareness, attach great importance to financial risks and take effective measures to rectify social credit. First, banks themselves should raise their risk awareness and overcome the paralyzed thought that "state-owned banks cannot fail". The second is to carry out credit education in commercial banks, combine strengthening credit awareness with socialist spiritual civilization and moral construction, form an atmosphere in which everyone talks about credit, and let people and units who don't talk about credit become "rats crossing the street" with nowhere to hide.
(two) to ensure the realization of bank creditor's rights by legal means, and to crack down on fraudulent loans. Banks should intensify collection efforts, take timely actions against units and individuals who cannot repay the loan principal and interest on time, take preservation measures, and seal up account funds and mortgaged assets. Enterprises and individuals who defraud loans shall be investigated for criminal responsibility according to law.
(3) Strictly implement the loan voucher management system and account opening management system of the People's Bank of China to prevent enterprises from opening multiple accounts and making multiple loans. The People's Bank of China should use modern advanced scientific and technological means to network the account opening and loan situation of borrowing enterprises in various commercial banks and quantify the credit index of enterprises. For enterprises with low credit, if a commercial bank has a tendency to evade debts or has generated non-performing loans, other banks will no longer lend to them through blacklisting.
(D) Commercial banks should strengthen internal management, improve risk awareness and credit fund management level to meet the needs of market economy. First, strictly implement the Law on Commercial Banks and the General Principles of Loans, establish a loan review committee and a risk management committee, implement a system of separating loan review from loan review, strictly review the credit status of new loan enterprises in accordance with the principle of "three checks" on loans, implement guarantees and effective mortgages, prevent the generation of non-performing loans, and control financial risks before loans. Second, banks should pay attention to enterprise restructuring, merger and bankruptcy liquidation, participate in the whole process, prevent restructuring from suspending bank claims, and safeguard bank interests. Third, we should pay attention to the investment of loans. In addition to supporting the construction of national infrastructure, basic industries, state-owned enterprises and key projects, loans should focus on supporting small and medium-sized enterprises with good benefits and good credit on the basis of conforming to national industrial policies, and actively develop consumer credit. Fourth, establish a personal responsibility system and a lifelong tracking system of loan responsibility under the collective decision-making procedure, implement the responsibilities of loan review, loan and loan collection at different levels, and combine responsibility and rights to mobilize the enthusiasm of employees for loan management and collection. Fifth, decision-makers and credit managers of commercial banks should pay attention to learning relevant new knowledge, enhance their ability to analyze and predict risks, and constantly improve their professional quality and professional ethics. People's professional quality and professional ethics level determine the quality of loans. Leaders should overcome the headstrong and willful style, pay attention to listen to opinions and suggestions, discuss major issues collectively and avoid making mistakes; Credit personnel should enhance their sense of responsibility, love their jobs and respect their work, dare to adhere to principles, strengthen the information collection and collation of the overall operation and changing trends of various industries, and put forward risk management objectives and measures in a timely manner.