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一、信贷基础管理情况(一)加强制度建设,规范业务操作近年来,山东省分行依照总行基本制度,结合自身实际,对各项制度与操作流程进行梳理与整合完善,共整合修订各项信贷制度办法与操作流程357项。建立了前后台分设、审贷分离、层级制约的信贷管理体制。横向上,通过规范岗位职责和操作流程,推动客户、信贷管理等部门在贷款调查、审查等环节相互配合,相互制衡;纵向上,通过转
I. Management of Credit Basis (I) Strengthening System Construction and Regulating Business Operations In recent years, branches of Shandong Province have sorted out and improved various systems and operation procedures in accordance with the basic system of the headquarters and in light of their own actual conditions, and consolidated and revised various credit policies 357 institutional measures and operational procedures. Set up a credit management system with front-back stage separation, separation of approval and approval, and hierarchy control. In the horizontal direction, through standardizing job responsibilities and operational procedures, we promote customer, credit management and other departments to cooperate and check and balance each other in such aspects as loan investigation and examination. By vertical