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随着信贷业务规模的不断扩大,使得邮储银行的信贷风险防范工作形势也变得日趋严峻。市县支行要抓住这项工作的主要着力点,从人员管理、流程管理、激励机制和培训机制四个方面入手,筑牢风险防范之墙。高收益必然意味着高风险。近年来,随着信贷业务规模的不断扩大,邮储银行的信贷风险防范工作形势也变得日趋严峻。从我们现有的信贷业务品种和相关管理体制来看,小额贷款的业务办理流程全部集中在县市支行;个人商务贷款、个人消费类贷款的营销、贷前调查和贷后环节的工作也集中在县市支行,只有审查和审批工作在二级分行;此外,小企业贷
With the continuous expansion of the scale of credit business, the credit risk prevention work situation of the Postal Savings Bank has also become increasingly severe. City and county branch should seize the main focus of this work, from the staff management, process management, incentive mechanism and training mechanism from four aspects, build a risk prevention wall. High yield must mean high risk. In recent years, with the continuous expansion of the scale of credit business, the credit risk prevention work situation of the Postal Savings Bank has also become increasingly severe. From the existing types of credit business and related management systems, all the microfinance business processes are centralized in county and city branches; personal business loans, marketing of personal consumer loans, pre-loan surveys and post-lending activities Concentrated in the county branch, only the review and approval work in the second branch; In addition, small business loans