It can enhance competitiveness and improve risk control levels

(1) Intensification is an important starting point for enhancing competitiveness. Loans are handled individually by the account managers of each outlet, and loan information is submitted to superior banks for review. There are problems such as insufficient number of management accounts per capita, long management chain, high cost, and low efficiency. Post-loan management is often a formality. By implementing the intensification of agricultural loans, some full-time account managers can be liberated and allocated to business areas that can create more wealth and enhance competitiveness. The person in charge of the branch will also free up more time and energy to do a good job in operation and management, which can Effectively tap the potential of human, financial and material resources. (2) Intensification is a powerful measure to improve the level of risk control. Loans are characterized by large numbers of households, dispersion, and difficulty in supervision, and are prone to operational risks, capacity risks, and moral hazards. Currently, problems such as impersonation, multiple loans for one use, and private loans for public use are still prominent. Implementing the intensification of agricultural loans, branch account managers serve as the first persons responsible for loan operations, which reduces the responsibility game with branches and realizes the organic unification of responsibilities and rights, which will enhance their sense of responsibility. Loans are uniformly investigated by branch account managers, and the information is uniformly managed and reviewed, which can solve risk problems caused by the uneven professional quality of account managers and move the risk control barrier forward. The branches conduct centralized monitoring, risk warning, special inspection, collection and write-off of the loan business within their jurisdiction, which can improve the management level and the level of standardization, standardization and refinement to promote the construction of a full-process risk prevention and control system.