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目前,农发行总行出台了一些单项商业性贷款管理办法,在信贷管理基本原则与管理方式上体现出与政策性贷款的区别,但商业性贷款管理体系还不完善。笔者认为应从以下几个方面加以改进。一、再造商业性贷款流程。根据政策性贷款与商业性贷款的不同特点和管理要求,建立从“客户申请→受理与调查→审查→审议与审批→报备→与客户签订合同→提供贷款→贷后检查→贷款本息收回及评价”的商业性贷款的基本流程,强化商业性贷款决策程序制约,实现信贷管理的规范化、标准化和程序化。
At present, the head office of the Agricultural Development Bank has issued some measures for the management of individual commercial loans, showing the difference from the policy loans on the basic principles and management methods of credit management. However, the commercial loan management system is still not perfect. I think it should be improved from the following aspects. First, recreate the commercial loan process. According to the different characteristics and management requirements of policy-based loans and commercial loans, we set up a system of “customer application → acceptance and investigation → review → review and approval → filing → signing contracts with customers → providing loans → post-loan inspection → loan principal and interest recovery and Evaluation ”of commercial loans to the basic process, strengthen the commercial loan decision-making process constraints, to achieve credit management standardization, standardization and procedures.