Main measures to prevent loan approval risks in credit management:

Strengthen access management. In the credit granting process, we must scientifically determine the total amount, clearly distinguish categories, and strictly abide by authority; in the credit use process, we must conduct in-depth investigation, detailed review, full deliberation, and strict approval, and put forward effective restrictions and management measures; In the review process, explore the establishment of an independent review system, a review collegial system, a review consultation system and a review supervision system.

Strengthen early warning and monitoring. Risk warning is an important measure to prevent credit risks. A good early warning mechanism can move the risk threshold forward to achieve the effects of early detection, early warning, and early disposal.

Accelerate credit adjustment. There are not many companies that can thrive under market operating conditions. Only by proactively increasing credit withdrawals can we effectively prevent the deterioration of credit asset quality.

Strengthen post-loan management. Post-loan management is to continuously discover marketing opportunities and customer risk warning signals, constantly propose solutions and countermeasures to problems, and put them into action. It is necessary to establish a post-loan management assessment system, include the customer inspection process, information analysis process, early warning and forecasting process, customer withdrawal process, etc. into the overall assessment scope of credit work, and formulate assessment standards and basis for each management link and element to promote post-loan managers Implement post-loan management frequently, consciously and in-depth, and make conceptual management concrete.

Nurt a culture of compliance. We must pay attention to cultivating good professional ethics of account managers, and never cross the "protective line" of ideological and moral ethics, never touch the "warning line" of rules and regulations, and never violate the "high voltage line" of laws.