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为进一步加强信贷业务管理,许多农村信用社制订了《信贷人员贷款责任终身追究制度》,这一制度对防范信贷员发放人情贷款、关系贷款、以贷谋私等起到了一定作用。但是,这一“土政策”的制订和实施缺乏法律、法规依据,有越位和越权的嫌疑,其负面效应不可忽视。首先,它与现行法律法规相悖。贷款
In order to further strengthen the management of credit business, many RCCs have formulated the “lifelong accountability system for credit officers’ loan obligations”. This system has played a certain role in preventing credit officers from issuing loyalty loans, relationship loans, loan loans and private smuggling. However, the formulation and implementation of this “土地策” lack of legal and legal basis and suspects of offside and ultra vires, the negative effects can not be ignored. First, it runs counter to current laws and regulations. loan