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吉林省桦甸市联社营业部张贵才同志参加农金工作已有二十三年。二十几年来,他办理发放的贷款累计总额已达到1000余万元,贷款利用率高达99.8％,逾期贷款率仅为2.56％,连续二十三年无呆滞、呆帐贷款,共实现利润近100余万元,总结他的贷款管理经验,主要有以下几方面: 1、贷款投向准确关键是责任问题 他发放贷款始终坚持贷款的“三查”制度,以信贷原则为标准,逐户核对农户的偿还能力,对该贷的户主动贷款,不该贷的贷款坚决不贷,不搞人情网,领导批条子贷款也按政策去办理。
Jilin Province, Huadian City Association Sales Department Comrade Zhang Guicai to participate in agricultural work has been 23 years. Over the past two decades, the total amount of loans handled by him has reached more than 10 million yuan. The loan utilization rate is as high as 99.8% and the overdue loan rate is only 2.56%. For a continuous period of 23 years, there are no sluggish loans and bad loans and a total profit of nearly 100 million yuan , Summed up his experience in loan management, mainly in the following aspects: 1, the key to the accuracy of the loan is the issue of responsibility He loans always adhere to the “three checks” system of loans to credit principles as the standard, one by one household check the repayment ability of farmers, Active loans to the loan households, loans should not be lending firm not to lend, not engage in social network, the leader approved sliver loans are also handled according to the policy.