1, listen more, watch more and analyze more, find out the situation and lay a good foundation for the work.

2. Improve the medium-and long-term loan management system according to its own reality, define the credit conditions and specific standards such as the amount, term, interest rate level, guarantee method and repayment method, and follow up the supporting support in terms of contract text and system reform.

3. According to the principle that substance is more important than form, on the basis of adhering to legal compliance and controllable risks, innovate the medium-term working capital loan service of enterprises, and scientifically use the service modes such as embedded annual review system, embedded pre-trial system and revolving credit.

4. We should strictly implement the "three checks" on loans, accurately grasp the risk characteristics of medium and long-term loans, and improve the refined level of credit management through list management. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.