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随着银行信贷登记咨询系统建设的不断完善,其功能和作用日益显现,对保证银行信贷资金安全、降低不良贷款率、提高贷款效率发挥了良好作用。系统从各方面显示了巨大的社会经济效益。但该系统在管理和使用中仍然存在着一些不容忽视的问题,亟待加以解决,主要体现在:金融机构内部管理不到位,表现在金融机构对借款单位缺乏日常监督管理,且金融机构网点
With the continuous improvement of the construction of bank credit registration consultation system, its functions and functions have become increasingly apparent, playing a good role in ensuring the safety of bank credit funds, reducing the non-performing loan ratio, and improving the loan efficiency. The system shows tremendous social and economic benefits from all aspects. However, there are still some problems that can not be neglected in the management and use of the system and are urgently to be solved. The main problems are as follows: the internal management of financial institutions is not in place, which is manifested in the lack of routine supervision and management of the borrower by the financial institutions,