Overview of Bank Loan Management (1) Loans are the main assets of rural credit cooperatives, and loan management is directly related to asset quality and capital efficiency. Therefore, it is the goal of rural credit cooperatives to do a good job in loan management, improve management effect, reasonably avoid capital risks, effectively support local agriculture and rural economic development, promote the construction of new socialist countryside, build a harmonious society in an all-round way, and maximize the economic and social benefits of credit funds.
"Five" adhere to clear thinking.
Adhere to correct investment and issue loans reasonably. Rural credit cooperatives should constantly adjust and optimize the loan investment and issue loans reasonably according to national laws and regulations, industrial policies and macro-control policies. It is strictly forbidden to issue loans to industries and projects that are prohibited or restricted by the state and are currently overheated in investment, and it is strictly forbidden to issue loans to business areas with high risk concentration and beyond their own management and risk control capabilities.
Adhere to the community and support the county economy. Community economy is the foundation for the survival of rural credit cooperatives, and the construction of new countryside is an opportunity for its development. Only by supporting the community economy and serving the construction of new countryside can we obtain stable stock and excellent customers. Rural credit cooperatives should ensure that small loans do not cross communities and other loans do not cross counties (cities, districts). On the basis of supporting the "three rural" economy in the community, support the development of leading enterprises in agricultural industrialization with advantages and characteristics in the county.
Adhere to small-scale decentralization, expand farmers' loans, weaken risks, and stabilize rural markets. On the basis of consolidating the existing market and customers, rural credit cooperatives should give full play to the flexible and diverse characteristics of farmers' micro-credit loans, increase the intensity, density and frequency of investment, expand the loan coverage of farmers and members, spread risks, stabilize the rural market, and provide effective financial services for new rural construction.
Insist on releasing pledge, advocate mortgage, control guarantee and optimize loan structure. In terms of loan methods, rural credit cooperatives should let go of securities pledge loans and make them available at any time, free from the restrictions of loan-to-deposit ratio case; Vigorously advocate mortgage-backed loans, constantly innovate mortgage guarantee methods, and broaden the scope of mortgage items; For secured loans, in addition to farmers' joint guarantee and small loans, appropriate controls should be given, especially large secured loans. Strive to increase the proportion of mortgage (pledge) secured loans and optimize the loan structure.
Adhere to efficiency first and increase marketing efforts. Rural credit cooperatives should check and queue up the key enterprises with competitive advantages in the leading industries in the county, and increase support for high-quality enterprises with good legal representative, high reputation, strong ability, low asset-liability ratio and loans, high self-raised funds, good product market prospects and strong profitability, which have a pulling effect on the local economy. Actively participate in community lending organized by administrative departments at or above the municipal level, and selectively issue loans to large-scale high-quality backbone enterprises, transportation, communications, power infrastructure construction projects, urban development projects, etc. , so as to improve the utilization rate of funds and cultivate new growth points of benefits.
"Article 6" strictly regulates the management mode of entrusted loans by banks, strictly follows the loan procedures, and puts an end to reverse operations. Rural credit cooperatives should apply for loans in strict accordance with the prescribed procedures, that is, the borrower applies to the credit cooperatives, the loan officer investigates, the credit cooperative loan team reviews and approves (the ultra-authority is reported to the examination and approval consultation step by step), and the loan procedures are handled. It is strictly forbidden to violate the loan procedure approval and engage in reverse operation.
The loan conditions are strict and easy to clear customs. Rural credit cooperatives should carefully examine the loan information provided by borrowers, strictly control the application for loans by equipment mortgage, vigorously advocate real estate mortgage, and ensure the value-added of collateral.
Strict pre-loan investigation to find out the number of borrowers. Rural credit cooperatives should attach great importance to pre-loan investigation. At least two loan officers should conduct a comprehensive and detailed investigation of borrowers at the same time. Do not support multi-head loans or evasion of bank loans. Strict loan responsibility, lifelong responsibility. The main reason why the balance of non-performing loans in rural credit cooperatives remains high for a long time is that the person responsible for the loan has not really implemented it and the responsibility for lending is unclear. Therefore, rural credit cooperatives should strictly implement the first responsible person, with loan officers as responsible persons for small loans and leaders of credit cooperatives and county associations as responsible persons for large loans, and implement lifelong responsibility system. Strict loan approval to ensure scientific decision-making. Rural credit cooperatives at all levels should strictly implement the system of collective research and approval (negotiation) of loans, so that collective research, minority obeying majority, and decision-makers veto by one vote, approve (negotiate) loans according to their authority, and prohibit illegal acts such as loans without collective research and ultra-authority approval (negotiation) to ensure scientific, democratic, fair and reasonable loan decision-making. Strict loan procedures, good funds "gate". Rural credit cooperatives should go through the loan procedures in strict accordance with the requirements of the Guarantee Law, the General Rules for Loans, the Operating Rules for Loans and other laws and regulations, so that the procedures are complete, legal and effective, and avoid the formation of invalid procedures and bring hidden dangers to collection.
"Eight" Strengthening and Improving Efficiency
Strengthen post-loan management and guard against capital risks. Rural credit cooperatives should completely change the extensive business model of emphasizing management and neglecting operation in the past. After the loan is issued, the credit personnel should regularly go deep into the borrower, check the use of funds and production and operation, and ensure that the funds are earmarked. When problems are found in the production and operation of borrowers, reasonable suggestions should be put forward in time to urge them to improve and reduce risks. It is also necessary to promptly urge borrowers and guarantors to accept overdue loans, so that the procedures are legal and effective, and prevent loans from exceeding the limitation of action and the guarantee period; For loans that are due, they should be recovered on schedule and then distributed when the borrower needs them. Strictly control borrowing new and returning old, maintain the seriousness of loan contracts, and strengthen the management of paying debts in kind.
Strengthen the development of archives management service business. Rural credit cooperatives should realize computer networking and electronic management of loan information as soon as possible, so that rural credit cooperatives at all levels can check, evaluate loans and query borrower information in time; Establish and improve customer economic files to serve customers with loans. The superior management department of rural credit cooperatives should regularly or irregularly check the management of loan blocking cases, and promptly urge them to supplement and improve if they find any deficiencies. Ensure the integrity of loan files and effectively provide services for the development of credit business.
Strengthen loan evaluation and improve management effect. Rural credit cooperatives at all levels should formulate loan assessment methods, and assess grassroots credit cooperatives and credit personnel from the aspects of the amount of small loans for agriculture, the coverage of loans for farmers and members, the effect of supporting new rural construction, the quality of credit assets, and internal management. Find out the problems and deficiencies in the evaluation in time, constantly improve the loan evaluation methods, improve the loan evaluation work, and improve the effect of loan evaluation and management.
Strengthen team building and improve the overall quality. In order to improve the effect of loan management and the benefit of credit funds, we must solve the problems of low quality and low management level of credit personnel in rural credit cooperatives. Therefore, it is the unshirkable responsibility of rural credit cooperatives at all levels to strengthen the construction of credit personnel. It is necessary to enrich the credit team with people with strong principles and driving ability, high professional quality, understanding corporate finance, enterprising spirit and enterprising spirit. Cultivate and bring up a team of credit personnel with excellent politics, excellent business, decent style and strict discipline, and lay the foundation for the smooth development of loan management.
Strengthen system construction and standardize management behavior. In loan management, rural credit cooperatives should follow the principles of relying on system norms, acting according to the system and handling according to the system, and establish and improve the loan management system and operating procedures in combination with the actual situation in the jurisdiction, and implement the whole process and every detail of loan management to the letter.
Strengthen social and political coordination and optimize the management environment. Rural credit cooperatives at all levels should take the initiative to report to the local party and government leaders in a timely manner, so that they can understand the relevant provisions of loan management and support rural credit cooperatives to operate loans in accordance with the law; Actively communicate and coordinate with the People's Bank of China, China Banking Regulatory Commission, judicial organs and government macroeconomic departments. , timely understand and master the new national financial, industrial and macro-control policies, laws and regulations, and better guide and do a good job in loan management; Urge the relevant departments to further improve the law enforcement environment, strengthen law enforcement, and improve the law enforcement effect.
Strengthen means innovation and improve management efficiency. The loan management of rural credit cooperatives should combine the new situation, new problems and new contradictions in the current work, update the management concept in time, innovate management means, increase management efforts, improve management efficiency, and form an advanced and effective credit management mechanism for modern financial enterprises.
Strengthen audit supervision and ensure standardized management. Audit supervision is an important form of internal supervision of rural credit cooperatives. Strengthening the audit and inspection of credit business is conducive to promoting rural credit cooperatives and credit personnel to correctly implement national credit policies and improve loan management. Therefore, rural credit cooperatives at all levels should strengthen the audit of credit policies, credit principles, the implementation of credit management system, the quality and benefit of loans through effective ways such as daily audit, special audit and outgoing audit, adopt on-site or off-site audit, strengthen the supervision of loan management behavior of credit managers, handle problems found at any time, and hand over major problems to relevant departments in time to improve the audit effect, enhance the audit deterrent and ensure the smooth operation of the loan management mechanism.
Summary of bank loan management (2) Looking back 20 years, I thank the company for giving me the opportunity to become a member of this big family; Thanks to the trust of the company leaders, let me engage in what I am good at; Thanks to Master's careful teaching, I have improved my legal practice ability. Thank you for your support and cooperation, so that my work can be successfully completed.
Under the leadership of the company, I earnestly performed my duties and assisted the credit department in providing legal support in the three stages of credit business investigation, review and inspection. The work of 20** years is summarized as follows:
When I first arrived at the company, I drew up the credit business contract, employee employment contract, pre-loan investigation data, loan review data, post-loan inspection data and so on. , modified by the department leader, discussed and approved by the company manager, and officially used. At the same time, it also assists the General Management Department to issue the responsibilities of all departments, employees and daily management rules and regulations.
In daily business, actively participate in the pre-loan investigation of credit business, communicate with customers, collect credit business information, learn loan project evaluation, and analyze the borrower's loan purpose, repayment ability and asset guarantee through on-site evaluation and financial indicators. After mastering the business, I tried to design the operation flow of credit business, which was passed at the manager's office meeting under the patient guidance of the leaders, and improved the operation flow of credit business.
In the business acceptance stage, provide credit business consultation for customers, collect customer credit information, preliminarily evaluate customer applications, report customers who meet the company's credit business conditions to the company manager, and implement the manager's decision. Assist the credit department in asset evaluation, signing contracts with customers, notarization and registration of other rights. And provide legal support for the credit business throughout.
In the loan review stage, the application submitted by the customer is evaluated from the aspects of the loan purpose, repayment source, solvency of its own assets and loan method. , and truthfully report the potential risks of the business to the manager. Participate in the discussion of the loan review meeting, provide legal advice to the loan review meeting, keep records of the loan review meeting, and assist the credit department to implement the resolutions of the loan review meeting.
In the post-loan management stage, assist the credit department in post-loan management, mainly to check whether the customer's production and operation are normal, collect the customer's financial data, judge whether its financial indicators are within the controllable risk through financial analysis, and then calculate whether the customer has the ability to repay the principal and interest, whether there is potential breach of contract, and write a post-loan inspection report. Go to the judicial department to file a case, file a declaration and preserve it before litigation, and assist the judicial department in sealing up and detaining it.
In my daily work, while doing my job well, I actively strengthen my business study, and constantly improve my business quality and skills through books, the Internet and various learning and training opportunities provided by the company.
In the cooperation with other departments, I actively assisted other departments to handle affairs, strengthened the cooperation ability with other departments, enhanced the feelings with other departments, and won the recognition of other colleagues in the company.
In 20** years, I will continue to earnestly perform my post responsibilities and strive to complete all the work arranged by the company's leaders. On the basis of 20 12, strengthen communication and coordination with colleagues in the credit department and post-loan management department, realize the seamless connection of information between departments, and prevent the delivery time from affecting the quality and quantity of business. In business operation, it is necessary to improve the execution and strength, continue to strengthen the study of business knowledge, and improve the ability of project review and risk review report writing.
Finally, I would like to thank the company leaders for their trust in me and Master for her careful guidance. In the new year of 20 12, I will live up to the expectations of the leaders, complete all the work conscientiously as always, actively cooperate with other departments, and * * * welcome the harvest of 20 12.
Summary of bank loan management (III) Since XX Bank supported women's activities of "double study and double comparison" and "women's contribution", our bank has taken increasing farmers' income and prospering rural economy as the starting point and end result of these activities, and "double study and double comparison" microfinance is an effective way to help rural women increase their income and get rich. In order to meet the strong desire of rural women to get rich, seek wealth and run towards a well-off society, and at the same time help those women with projects and no funds to get out of the predicament, the bank actively formulated the implementation plan of "double learning and double comparison" microfinance. Since the launch of the activity of "Double Learning and Double Comparison" and "Women's Meritorious Work", through the joint efforts of the Bank and the XX County Women's Federation, the Opinions on the Implementation of Women's Entrepreneurship Loans in XX County was jointly issued on May 13, 2009, up to 201. It strongly supports the development of local economy. The majority of rural women and grassroots people fully affirmed the bank's microfinance work.
Micro-credit of "double learning and double comparison" and "making contributions by women" paved the way for rural women to get rich. In recent years, the bank has vigorously strengthened its services, continuously consolidated its achievements, and actively expanded the radiation coverage of microfinance, and achieved certain results.
First, conduct in-depth research, select projects, and lay a solid foundation for microfinance.
Since the launch of the "Double Learning and Double Comparison" and "Women's Meritorious Work" activities, the Bank has experienced a wide range of activities.
With extensive publicity, microfinance can be said to be a household name. Many women want to get rich through microfinance, but there are no suitable projects. Project service is the foundation of micro-credit. To do a good job in microfinance, we must start with the project. Our bank and grass-roots women's federations conduct in-depth and detailed investigations and studies on projects suitable for women's development in this region through field visits and access to materials every year, and strengthen communication with our bank on rural women's entrepreneurship and wealth. On the basis of extensive research, help women choose projects and expand their scale.
Second, strengthen management and strictly control.
To ensure the safe operation of micro-credit in order to ensure the safety of national credit funds and the expected economic benefits of micro-loans, the bank worked with grassroots women's federations to formulate a set of management systems such as investigation, review and post-loan tracking services to ensure the safe operation of micro-credit and create a channel for women to increase their income and become rich. In practical work, we should focus on three links: first, strictly control the pass and determine the target of credit. Before the loan, we organized personnel to go deep into farmers' homes to make a thorough investigation, and took those rural women with good reputation, education, technology and lack of funds as the support targets of our microfinance. At the same time, actively visit the loan targets recommended by the Women's Federation and give priority to support.
Third, actively serve and expand the scale of credit.
In order to more effectively mobilize rural women to develop rich projects, promote micro-credit, and help poor women who have no projects to choose projects with less investment, quick results and low risks, which are suitable for market demand and women's own development, and give credit.
Loan support; For the original project, families with certain repayment ability can help them dispel their worries and support them to expand their production scale. Summary of Women's Meritorious Activities
Fourth, simplify procedures to facilitate women's loans.
In the process of loan issuance, under the premise of compliance, simplify the procedures as much as possible and provide maximum convenience.
Verb (abbreviation of verb) strengthens service and pays attention to actual effect.
Promote a virtuous cycle of microfinance In order to ensure the smooth operation of microfinance, the Bank tapped the capital potential through multiple channels to meet the demand for microfinance funds as much as possible. During the operation of micro-credit, it is found that women in project households and project preparers generally lack technology, and women's low scientific and technological quality has become the bottleneck of micro-credit development. Science and technology service is the key to micro-credit.
The next work plan of intransitive verbs
In 20 12, the credit staff of XX bank actively promoted and supported women to develop production through the "home-to-home" activities of financial services, and implemented a comprehensive loan plan and post-loan tracking services. To provide better financial services for the majority of women to increase their income and get rich, and to ensure that the loans needed for rural women's production and development are in place at any time without delay. Carry out more effective publicity for rural women, promote loan business, make them more familiar with loan procedures and loan use benefits, and fully mobilize their enthusiasm for production and operation.
On the basis of supporting women's "double studies and double competitions" and "women's achievements" for 20 years, it is planned to increase the number of women's households by XX, and increase the small-scale women's loans to support XX million yuan, so that more women can embark on "learning technology, learning management,
Compared with efficiency and development, the road of starting a business to get rich has promoted the harmonious development of society and played the main role of rural cooperative finance in building a new socialist countryside.
The role of study abroad loan
It is understood that at present, the countries that accept loan certificates for China students are mainly Australia, New Zeala