20 17, 20 18, 20 17, 20 17, 2065438 The Credit Evaluation Department of the Head Office conscientiously implemented the spirit of the working meeting of the Head Office, took Scientific Outlook on Development as the guide, and actively promoted the transformation of the operating system and growth mode of the Bank based on its reform and development status. According to the arrangement of the head office leaders, on the basis of in-depth study of our actual situation and local economic characteristics, and drawing on the advanced credit management experience of other banks, our department strives to establish a credit business evaluation system suitable for our development reality and management system. At the same time, we will deeply understand the work intention of the Head Office, implement the working ideas and guidelines formulated by the Head Office, reshape the credit management system, improve the professional and technical level of credit evaluation, actively and conscientiously perform departmental functions, and strengthen the due diligence supervision and compliance construction of credit work.
First, build a credit evaluation system that is suitable for the Bank's reality and conducive to its development.
20 17 reform and development put forward an urgent proposition for the work of credit evaluation departments, that is, what kind of credit evaluation system should be established and how to build it? To solve these problems, the first thing to be solved is the positioning of the credit evaluation department, the personal quality of each employee of the credit evaluation department and the overall quality of the credit evaluation department.
First of all, our department strengthened communication with reform leaders, thoroughly studied and understood the general idea and spirit of the reform, clearly analyzed our position and role in the credit management of the whole bank, defined the internal division of labor, ensured the strictness and coordination of the credit management system, and laid a good foundation for the establishment of our credit evaluation management model and operation structure.
Second, study the overall situation of the Bank's system operation and the actual situation of credit management, learn from the advanced management concepts and methods of other banks, and establish a credit evaluation model and operation framework in combination with the actual situation of the Bank and with reference to the relevant provisions and risk guidelines of credit management such as Credit Due Diligence Guidelines, Credit Due Diligence Guidelines for Group Customers, and Related Party Transaction Management Measures. Second, coordinate and communicate with relevant departments to demonstrate the credit evaluation model and operation structure, on the one hand, improve the credit evaluation model and operation structure; On the other hand, relevant departments can understand their roles and functions in the credit evaluation model and operation framework, laying a good foundation for further refining the operation process. The third is to carry out walk-through testing, adjust and improve the credit evaluation model and operation framework, and do a good job of connecting offline departments with online departments.
Thirdly, according to the credit evaluation model and operation framework, as well as the prudential requirements of the Bank's credit management, the internal post division of the credit evaluation department is refined. First, improve the internal post setting and clarify the division of labor; Second, it is necessary to clarify the responsibilities of each post, so that the rights and responsibilities are clear; The third is to establish accountability system and accountability system.
At the same time, according to different credit products, establish corresponding management systems and operational procedures, clarify the key points and difficulties of credit evaluation, refine the operational procedures of evaluation, establish a scientific and rigorous evaluation assembly line that is conducive to business development and meets the requirements of prudence, clarify the responsibilities and responsible persons of each link, and establish a strict accountability mechanism.
Second, formulate a scientific, rigorous, reasonable and effective enterprise credit rating method and operation process.
Enterprise credit rating is a prerequisite for unified credit granting. According to the appeasement of the head office leaders, our department is responsible for arranging the credit rating of enterprises, and there are special personnel in charge. First, strengthen learning, cultivate enterprise rating talents, and effectively improve the knowledge level of enterprise credit rating of employees; Second, carefully study all kinds of economic entities in Changzhi City, study the present situation and reality of economic development in Changzhi City, subdivide enterprise types according to the characteristics of various enterprises in the region, and come up with enterprise evaluation standards suitable for the actual situation in the region and our credit policy; Third, according to the bank's management system and prudential requirements, formulate the operational procedures of the bank's corporate credit rating, including credit investigation, rating, credit evaluation, credit rating, credit suspension, credit adjustment and credit management. Fourth, it is necessary to refine the operation process of rating, clarify the responsibilities and authority of personnel in various departments and positions according to the responsibilities of all links and departments, and establish corresponding accountability mechanisms.
At the same time, according to the newly-increased credit stock, credit rating will be promoted in batches, a credit evaluation and risk control system model suitable for the Bank's reality and beneficial to the Bank's development will be established, loan review and post-loan inspection will be strengthened, centralized and standardized management of archives and collateral will be implemented, risk early warning, identification, measurement and control will be infiltrated into all aspects of credit business, and various risk disposal plans will be established.
Third, strengthen the macro-management and guidance of credit evaluation, make overall planning and carry out targeted credit planning. According to the national industrial policy and the actual situation of Changzhi's economic development, combined with the spirit and resolutions of relevant meetings of the Head Office, our department will do a good job in the management of credit business of the whole bank, clearly analyze the development direction, industry risks and policy orientation of credit business, clarify the development direction and focus of credit business with the goal of "practicality, applicability and effectiveness", including entry and exit policies, credit investment, credit investment, industry investment and customer type investment, and inform all industries.
Fourth, revise and improve the working rules and corresponding management systems of the Credit Review Committee of the Head Office.
Combined with the requirements of the Bank's system reform and the reality of credit management, taking risk prevention as the main line and credit due diligence as the requirement, the Measures for the Selection and Appointment of Members of the Credit Audit Committee of the Head Office were formulated, which clarified the appointment standards and selection procedures of members of the Credit Audit Committee, established corresponding assessment methods, clarified the accountability, and effectively improved the decision-making level and ability of the Credit Audit Committee.
On the basis of summarizing the previous experience of the loan review committee, the Working Rules of the Loan Review Committee of the Head Office were revised, and the loan review rules of different credit businesses were clarified according to the characteristics of different credit businesses and the national due diligence requirements and risk guidelines for credit businesses, so as to improve the transparency and scientific decision-making of loan review, and reasonably define the work scope and corresponding responsibilities of the loan review committee.
Fifth, according to the requirements of credit business management, improve the post setting and various business operation processes of this department. Combined with the workflow of business departments and other departments of the company, fully consider the controllability of business risks, the compliance of operation processes, the feasibility of business handling and the convenience of students, improve the post setting of this department, clarify the post standards and post responsibilities of each post, and form a departmental post structure with scientific and reasonable setting, clear division of responsibilities and appropriate supervision measures.
Establish the internal operation process of different businesses, reasonably define the scope of powers and responsibilities, and ensure the smooth flow and effective evaluation of various business operations within the department. At the same time, the corresponding consideration and evaluation mechanism should be incorporated into the work of the whole department. First of all, the legality and compliance of the operation process should be reviewed and evaluated. The second is to review and evaluate the scientific nature of the operation process; The third is to review and evaluate the comprehensiveness of the operation process. The fourth is to review and evaluate the prudence of the operation process. Strive to strictly control all kinds of risks through strict process operation, send out early warning information in time, and realize customer-centered business process reengineering with risk prevention and control as the main line.
Sixth, do a good job in loan evaluation of the whole bank. In 2065438+2007, the bank reviewed more than 240 loans, amounting to nearly 4 billion yuan, and made a written review of the loan materials handed over to our department for review. Around the legal effect and risk prevention, according to the provisions of national laws and regulations and relevant policies, combined with the actual situation of the current national industrial policy, this paper puts forward reasonable suggestions on loan quality, loan risk, loan industry information and credit information for the review of the loan review Committee. According to the relevant industrial policies of the state and the relevant regulations of the bank, put forward relevant opinions to the loan evaluation Committee for each loan. Make a written analysis of the possible risks of the loan applicant and mortgage and pledge, and make a good risk warning.
Seventh, strengthen learning, raise awareness, and further improve the team building and personnel level of credit evaluation departments.
The new development situation puts forward higher requirements for the work of the credit information department. Our department regards improving the quality of personnel as a long-term mechanism, constantly strengthens its own quality construction, and encourages and urges our personnel to strengthen the study of business knowledge through the combination of training and examination. "Go out, please come in" is an important way for our department to strengthen its own learning and improve the level of credit management. "Going out" means learning from other banks, advanced banks and professional colleges, inviting experts and professors to come in, organizing relevant training, and comprehensively improving their own quality through learning and applying it to their daily work. We should further strengthen the team building from the aspects of ideological construction, system improvement, quality improvement and measures strengthening.
With the deepening of the institutional reform of banks, the internal needs of departmental reorganization, functional integration, process reengineering, intensified competition and the bank's own development will put forward urgent requirements for all business departments of banks: how to seek new development on the premise of effectively preventing risks, how to improve management level under the framework of prudent operation, and how to build business operation processes under the new system, all of which need to be effectively solved. Next year, the Credit Evaluation Department will adopt a pragmatic work style and strict management measures, closely focus on the development policy and work ideas formulated by the Head Office, conscientiously implement the spirit of various meetings of the Head Office, strive to implement and innovate, actively and conscientiously complete all the work assigned by the leaders, and do a good job for the development of the firm!
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