How to do well the credit management of Agricultural Development Bank

(1) Further standardize the loan business process. First, clarify the responsibilities of various departments, fully establish the idea of "taking risk prevention as the core" in the process of handling business, and ensure loan review. Second, according to the principle of separation of loan approval, different departments undertake the responsibilities of investigation, approval and post-loan management of credit business, so as to realize mutual restraint and support among departments. The third is to standardize loan approval. It is necessary to standardize the loan review from the transmission of customer information, the procedure of loan review, the compliance and integrity of various materials, the content of review, the drafting of review reports and other aspects, and strive to be procedural and standardized. The fourth is to standardize the post-loan management behavior. After the loan is issued, strict supervision and management must be implemented before it is returned, and the management responsibility must be fully implemented. It is necessary to establish a reporting system for major business matters, a loan extension operation, and a responsibility transfer system for the main responsible person. , so that loans are always in a state of clear responsibility and orderly management. The fifth is to establish the system of responsible person. Establish an investigation system for the principal responsible person, and be responsible for the authenticity of the pre-lending investigation of the approved credit business; Establish a review system for principal responsible persons, and be responsible for the compliance and legality of credit business; Establish the system of person in charge of operation, responsible for the supervision of credit business, the preservation of creditor's rights and the recovery of principal and interest approved by the approver.

(2) Strictly check loans. The first is the policy risk review. We should understand and predict the trend of policy changes, and examine whether the loan violates the national macro-control policy, industrial policy and credit policy, as well as the possible impact of policy trends on the loan. The second is the risk audit of the enterprise itself. The financial and market risks of loan applicants, as well as the integrity of their major shareholders and managers, should be examined to prevent moral and credit risks. The third is the risk review of loan guarantee. It is necessary to review the realization possibility of the second repayment source, the guarantor's qualification as the guarantor's main body, the guarantee compensation ability, and the legality, sufficiency and realizability of mortgage and pledge. The fourth is operational risk review. It is necessary to know whether the loan handlers have the professional level and comprehensive quality of their duties and whether they have the corresponding risk decision-making ability.

(3) Reform the composition of the loan review committee. First, further enrich the staff of the loan review committee. In addition to absorbing functional departments and business backbone personnel in the bank, members of the loan review committee can also hire experts in law, auditing, engineering and project evaluation as consultants from the society according to the needs of their work. The second is to gradually introduce the assessment and withdrawal mechanism of the loan review Committee. Afterwards, evaluate and check the performance of the members of the loan review committee, so as to improve the quality of the work of the loan review committee. The third is to explore the construction of an online loan review and approval platform to improve the efficiency of loan review.

(four) the implementation of grading authorization and grading credit loan management system. First, provincial branches implement hierarchical authorization management in combination with internal control ratings. Set quantitative evaluation index of internal control level, and regularly evaluate the internal control level of provincial branches. Reasonably determine the loan approval authority according to the internal control level, and all provincial branches can directly handle the loan approval within the scope of authorization; Second, classify customers according to the credit rating, industry inclination and industry risk of the enterprise, and implement classified credit management? The third is the combination of hierarchical authorization and classified credit. Classified credit granting should be based on graded authorization. In practical work, if the authorization amount is less than the credit amount due to the decrease of the internal control level of banks, priority should be given to hierarchical authorization from the perspective of risk control to ensure the safety of loans? The fourth is to establish a credit business monitoring system to continuously monitor the whole process of credit business, provide timely and true information on credit business operation and asset quality, and comprehensively evaluate credit risks and benefits.

(V) Further strengthen the management of credit practitioners. It is necessary to formulate feasible training plans, intensify training efforts, and improve the professional quality and ability of cadres and workers. At the same time, it is necessary to further formulate the working system and management measures for credit practitioners, standardize the qualifications of practitioners, and effectively control moral hazard and operational risk. Combined with the current marketing practice of Agricultural Development Bank, the customer manager system is implemented according to the inherent law of modern bank customer manager system.

(VI) Further strengthening the basic management of credit. First, raise awareness and further standardize the basic management of commercial loans and credit. Second, strictly follow the loan investigation, approval, issuance and post-loan management processes, with standardized operation, accurate records and complete data storage. Third, regularly carry out commercial loan audit and credit foundation inspection, find problems in time, and formulate practical and effective rectification measures.