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信贷是金融风险主要源头之一,防范金融风险必须从强化信贷管理抓起,消除产生金融风险的源头。人行竹山县支行从1996年开始,在县城关镇信用社进行以信贷管理为主要内容的防范金融风险稽核试点。取得成效后,于今年初在全县农村信用社推广,并对全县各金融机构规范信贷管理优化资产质量产生了积极的影响,各行、社元至七月共压缩不良贷款近4000万元。一、紧扣监管重点,完善内控制度,确保行为规范。
Credit is one of the main sources of financial risks. To guard against financial risks, we must start from strengthening credit management and eliminate the sources of financial risks. Zhushan County Bank branch since 1996, in the county town credit cooperatives to conduct credit management as the main content of financial risk audit pilot. After its success, it was promoted to rural credit cooperatives in the county earlier this year and had a positive impact on regulating the credit management and optimizing the asset quality of all the financial institutions in the county. The total number of non-performing loans from all walks of life to the total amount was nearly 40 million yuan. First, closely monitor the focus, improve the internal control system to ensure that code of conduct.