Agricultural distribution of Nanyang Branch strengthened and solidly do a good job of credit business process management

Since the beginning of this year, the Nanyang Branch has carefully organized the credit staff of the entire under its jurisdiction in accordance with the requirements of the head bank and provincial branch, and focused on studying the "Measures for the Management of Credit Business Process" to control, reflect and manage the credit management system, and promoted the credit business handling The standardization of link settings, job responsibilities and operation processes.

Improve the duties of standardized operation. Adhere to customer rating first to improve the relevant links. According to the "Investigation → Examination → Review (for) → Approval" processes; the links of the unified credit limit include acceptance (such as required, including reporting, recommendation) → investigation → review → review (if required) → approval → conclusion (conclusion (conclusion If you need it), the links of the credit business approval include acceptance (including declaration, recommendation) → investigation (including evaluation) → review → review (if required) → approval → conclusion (if required). The setting of credit issuance and payment is as follows: contract signing → lending supervision. Depending on the specific situation of customers and business, the duration management period shall be implemented in accordance with the relevant system of agricultural issuance. The application session began to collect and sort out the basic information of credit business, and formed the process of reporting reports. The authenticity, integrity, and effectiveness of the various materials (including the reporting report) collected by the application department are responsible.

The bank conducted a detailed guidance of the relevant operations of the county -level branch. After the credit business is required, the front desk business department of the account opening bank is responsible for selecting and filling in the credit contract and agreement text in accordance with the contract management regulations. The important matters agreed with customers and the guarantor, as well as the clearly involved credit matters and management requirements of the borrowing parties in the credit business approval, should be implemented in the relevant contracts and agreements. Therefore, the contract and agreement should be very important. The review and signing make it meet the relevant rules and regulations and requirements of agricultural distribution, and lay a solid foundation for high -quality credit. (Correspondent Liang Dongkang)

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