论文部分内容阅读
一、增强风险意识。要加强教育,使全行员工增强防范意识;要建立完善的贷款决策审批制度;要严格执行“以销定贷,以效定贷”的资金供应政策。 二、加强资金管理,防止资金流失。一是要努力提高贷款发放的准确性。二是实行实物或资产抵押,如用公司和有关责任人的房产证、单位门面房等作抵押。并建立完整规范的库存商品仓单管理办法,防止因企业“改制”或“分流”造成库存粮食的粮失。 三、实行“捆绑式”管理,帮助企业提高经营效益,增强抗风险能力。一是定期召开“银企”分析会,研究适应市场变化的对策,彼此相互信任,相互支持。二是积极帮助企业谋发展。三是帮助企业搞好资金结算。四是支持企业及时入帐,防止企业受骗上当造成损失。五是支持企业敞开收购,同时促进
First, enhance risk awareness. It is necessary to strengthen education so that all employees of the Bank will enhance their awareness of prevention and control; establish a sound approval and approval system for loans; and strictly implement the policy of providing funds by “fixing sales and lending in an effective manner”. Second, strengthen fund management to prevent the loss of funds. First, we must strive to improve the accuracy of loan issuance. Second, the implementation of physical or asset mortgages, such as the company and the responsible person’s real estate license, the unit’s facade room for mortgages. And establish a complete and standardized measures for the management of warehouse receipts of stock commodities so as to prevent the loss of food stocks caused by “restructuring” or “diversion” of enterprises. Third, the implementation of “bundled” management, to help enterprises improve operational efficiency and enhance their ability to resist risks. First, we hold regular “bank-enterprise” analysis meetings to study countermeasures that can adapt to market changes, mutual trust and mutual support. Second, actively help enterprises seek development. The third is to help businesses improve financial settlement. Fourth, support enterprises in a timely manner to prevent fraud caused by business fraud. Five is to support enterprises to open the acquisition, while promoting