Establish a financial mechanism for bank information sharing.

The banking supervision department should actively guide, integrate and supervise the banking industry to build a financial model characterized by * * * resource sharing, * * information sharing, * * factor sharing and * * benefit sharing through technical means and financial products supported by big data. * * * Same as loan for preventing and resolving human feelings, relationship loan, multi-head loan, breakup loan, impersonation loan and cross-regional loan.

Standardize the risk disposal system of loan contracts.

Establish a credit management assessment mechanism for rural commercial banks to improve the professional quality and risk concept of credit personnel. Earnestly implement the "three checks" system of credit, strengthen the investigation and review of relevant information of borrowers and guarantors, strengthen the training of employees' risk awareness, and pay close attention to the ideological construction of employees. Strengthen the source management of loan risks, and carefully prevent and control the guarantee chain risks from four aspects: loan access, guarantee methods, joint guarantee loans and risk-prone areas.

Carry out loan contract risk management activities.

First, rural commercial banks should pay off risky loans in time. The second is to take differentiated measures according to customer types. Non-performing loans of legal persons should be recovered and collected directly through litigation. For personal non-performing loans, it is necessary to collect them at home and formulate targeted collection measures. For those who have the repayment ability and refuse to perform the effective judgment or ruling of the court, they should apply to the court for compulsory execution in time to prevent the occurrence of loan disputes, so as to better safeguard the legitimate rights and interests of creditors and the dignity of the law.

Introducing "government credit enhancement" to solve the guarantee problem.

In view of the small-scale operation of agriculture and enterprises in China, it is more necessary for financial institutions to strengthen cooperation with the government in the process of supporting agriculture and enterprises, and introduce the mechanism of "government credit enhancement" to meet the credit needs of small and micro customers of agriculture and enterprises. Judging from the current fiscal policy of our government and the characteristics of micro-finance demand, rural commercial banks can mainly solve the problems of micro-finance guarantee related to agriculture and enterprises through the modes of "policy guarantee company+loan object", "government risk compensation fund+loan object", "insurance company+loan object" and "financial direct subsidy fund guarantee+loan object" to achieve win-win cooperation and prevent loan disputes from the source.

Improve the effectiveness of loan internal control implementation.

The effectiveness of loan internal control of rural commercial banks depends on two aspects: First, the rationality of loan internal control design. The more reasonable the design scheme is, the less loopholes there are and the better the control effect is. Second, the effectiveness of the implementation of internal control of loans. The better the internal control of loans is implemented, the more effective the control is. The risk of loan disputes exposed by some rural commercial banks shows that the failure of internal control is more related to the implementation of internal control. In order to improve the effectiveness of credit internal control, rural commercial banks should establish a good corporate culture and ensure a reasonable credit control environment; Improve the comprehensive quality of executives; Clear reward and punishment, establish a clear credit management orientation; Conduct more effective credit monitoring and correct mistakes in time.