The operation and management of credit business must adhere to the principle of unity of safety, liquidity and efficiency, and must adhere to the system of pre-loan investigation, in-loan review and post-loan inspection.

According to the basic credit management system of Anhui rural credit cooperatives:

1. The operation and management of credit business must adhere to the principle of unity of safety, liquidity and efficiency, and must adhere to the system of pre-lending investigation, in-lending review and post-lending inspection.

2. Implement the system of separation of examination and loan. In the process of handling credit business, the responsibilities of investigation, examination, approval, operation and management are divided into different management levels and departments to achieve mutual restraint and support.

3. Rural cooperative banks and county associations with unified legal personality should separate loan review departments; Branches of rural cooperative banks and county associations should also implement the separation of loan examination and post.

4. Rural cooperative banks and county cooperatives with unified legal personality should set up a customer department and a credit management department. The responsibilities of the customer department of the county association, which still implements the second-class legal person, are mainly borne by the grassroots credit cooperatives and the business department of the association.

5. The customer department is responsible for the development, acceptance, investigation, evaluation and post-approval management of the credit business, and the credit management department is responsible for the review and overall risk control of the credit business.

6. Implement the loan review committee system. Rural cooperative banks and county associations set up loan review committees, which are the deliberative bodies of credit business decisions, consider credit matters that need to be considered by the loan review committees, and restrict and give intellectual support to those who have the right to approve. The credit review meeting is composed of the president of the rural cooperative bank, the director of the county association or the deputy in charge of credit, and the heads of the customer department, credit management department and other departments, with the president, director or deputy in charge of credit as the chairman.

8. Branches of rural cooperative banks and county associations should set up account managers and loan officers, and set up loan review teams. The credit audit team is responsible for the decision-making of credit business under its jurisdiction. The loan review team consists of branch directors, account managers and loan officers of rural cooperative banks and county associations.

9. Implement the credit business authority management system. Rural cooperative banks and county cooperatives implement limited authorization management for their branches. The credit business authority does not change the credit business management responsibilities of the operating institutions, and the president of the rural cooperative bank, the director of the county association and the director of the credit cooperative are responsible for the credit business management within their jurisdiction.

10. Implement the consultation system for filing large loans. Large loan business within the authority of rural cooperative banks and county associations, but needed by provincial associations, should be reported to the provincial associations before the authorized approver implements the examination and approval, and after the provincial associations review without objection, the rural cooperative banks and county associations will examine and approve the issuance. Provincial Association exercises the right of dissent, but does not exercise the right of decision-making. The consultation of the provincial association on the filing of large loans does not change the credit risk management responsibility of legal institutions.

1 1. Implement the system of credit business owner. In the process of handling credit business, the authorized decision makers in all aspects such as investigation, examination, approval, operation and management are the main responsible persons; The credit officer in charge of investigation, review and management is the responsible person. The main person in charge and the person in charge shall bear corresponding responsibilities respectively.

12. Implement the credit information disclosure system. Disclosure of loan conditions, interest rates, term and other related information of rural credit cooperatives, and restrictions on disclosure or disclosure of customers' credit status.

13. Implement unified credit management for customers. Unified credit management for customers is a management system that rural credit cooperatives implement centralized and unified credit risk control for customers. Rural cooperative banks, county associations and credit cooperatives that still implement the second-class legal person are the main credit entities. Corresponding credit customers must follow the principle of credit first and then credit, and realize the unification of credit subject, standard and content.

14. Customer credit rating management. Customer credit rating is the basic work of customer credit management in rural credit cooperatives.

15. Determine the maximum comprehensive credit line of customers according to the credit rating results, asset-liability ratio and other factors, and the sum of credit balances of assets and contingent assets provided by rural credit cooperatives shall not exceed the maximum comprehensive credit line.

16. Unified credit management for customers can be divided into two ways: internal unified credit and open unified credit.

Internal unified credit refers to the maximum comprehensive credit line approved by rural credit cooperatives as the maximum credit risk of internal customers of credit cooperatives, which is controlled by credit cooperatives without meeting customers.

Open and unified credit granting refers to the management system of signing a credit agreement with customers on the highest comprehensive credit line approved on the basis of comprehensive evaluation of the risks and financial conditions of individual corporate customers or group customers, so that customers can conveniently use bank credit within a certain period of time and within the approved credit line.

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