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去年以来,农行石家庄分行结合辖区信贷管理实际,积极摒弃过去岗位分离、部门分离中决策层次低、分散投放、低水平重复等问题,大胆实施了以客户管理为核心的分级审贷分离制度,从机构设置、职责权限、规模配置、审批程序、监督检查、责任追究等方面均做了明确的规定,形成了较为完善的双向制约管理模式。即除有价证券抵押贷款外,其它贷款及银行承兑汇票统一由分行负责审查,支行
Since last year, Bank of China branch in Shijiazhuang, in combination with the actual situation of credit management in the area, has actively abandoned the separation of credit and debit system with customer management as the core from the past, such as separation of posts in the past, low level of decision-making in decentralized sectors, diversification and low-level duplication. Institutional settings, responsibilities and authority, the size of the configuration, approval procedures, supervision and inspection, accountability and other aspects have made a clear provision, forming a more perfect two-way control of the management model. In other words, except the securities market, other loans and bank acceptance bills are examined by the branch. The branches