银行贷款管理采取的风险防范措施.doc

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1、银行贷款管理采取的风险防范措施孙吴县支行2009年三农信贷业务分析报告银行贷款管理采取的风险防范措施我行在贷款管理和发放过程中,严格执行“管理办法和操作规程”进行办理,坚持“严控风险、自主运作、遵规投放、足额收回、保证效益”的原则情况下进行管理和发放,做到:一是严把准入关。即严格按照“实施细则”的条件和标准衡量借款人是否具备准入条件,不符合条件的借款人坚决不予受理;二是严把调查关。对于我行决定受理的贷款业务,严格按照“双人实地”的调查要求进行实地调查,并通过“个人征信系统和CMS查询系统”认真核实借款人信用记录;三是严格按照流程操作。对符合发放贷款条件的借款人,严格按照“审批流程”进行操作;四

2、是严把审查关。审查岗位人员对调查岗提交的资料从客户概况开始逐一与纸制档案进行核对,对于信息不一致的和不合规的坚决回退;五是严格授权管理。在贷款审批环节严格按上级行授权进行贷款审批,坚决不出现超授权和变相超授权现象;六是强化贷后管理。按照要求做好贷后管理工作,实行双人实地和客户经理交叉检查,密切关注借款人和担保人的生产经营情况,发现问题,及时收集资料,按照要求及时上报,坚决不出现重发放、轻管理的工作现象;七是及时预警和化解风险。对于存在和可能产生预期风险的贷款要及时预警,采取措施及时化解;八是保证信用按期收回。按规定做好到期贷款的预约还款和催收工作,确保信用按期收回。结束语!祝大家学到有用的知识

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