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近日,笔者在参与辖内某县金融机构的信贷业务稽核时,发现基层金融机构的借款合同管理存在着不少的问题。主要表现在:一是对借款合同的重要性认识不够,没有一个严格的借款合同管理制度;二是借款合同要素不齐全,如漏填科目代号、贷款科目、贷款种类、贷款人地址、贷款人身份证号码、电话号码、贷款用途、贷款利率、贷款期限、违约条款和漏盖贷款人公私章等;三是随意涂改借款合同,贷款人和担保人的公私章盖错位置,或者公私章全无,或者错盖没有法律效应的单位财务公章等;四是借款合同档案资料不齐全,且无专人专柜保管,有的随意存放以致丢失。上述这些不规范的借款合同管理行为,严重违反了
Recently, when I participated in the auditing of the credit business of a county financial institution within the jurisdiction, I found that there were many problems in the management of loan contracts of grass-roots financial institutions. Mainly in: First, the lack of understanding of the importance of the loan contract, there is no strict loan contract management system; Second, the loan contract elements are not complete, such as missing fill account code, loan subject, loan type, lender address, lender ID number, telephone number, purpose of loan, interest rate of loan, term of loan, terms of default and public and private leaking of loan lender; thirdly, arbitrarily change the cover of the loan contract and the cover letter of the loan agreement and the guarantor, No, or wrongly cover the financial official seal of the unit without legal effect; Fourth, the loan contract file information is not complete, and there is no personal counter custody, and some are arbitrarily deposited so as to be lost. These non-standard loan contract management behavior, a serious violation