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严格贷前准入:重点抓住真实性。以现场面谈面签、现场核抵核保、现场核查核验为主要内容和抓手。真正落实新客户和增贷客户“一把手”面谈制度、合同文本面签制度,固定资产等有形资产、保证人实力的现场双人核查核保制度,以及财务数据与现场情况、有关部门相关数据的相互验证等,以最基本的制度规范要求来确保尽调情况和基本数据真实、可靠,切实防止“病从口入”。严格贷时审核:重点抓住适度性。从贷款额度上考察是否
Credit strictly before entering: focus on the authenticity. Face to face interview, on-site nuclear security check, on-site verification and verification as the main content and starting point. Real implementation of new customers and credit customers “top leaders ” interview system, the contract text surface sign system, fixed assets and other physical assets, the strength of the guarantor on-site double inspection and verification system, as well as financial data and the scene, the relevant departments of mutual data Validation, etc., with the most basic system of regulatory requirements to ensure that the situation and the basic data to be tampered with true, reliable, and effectively prevent “sick from the mouth”. Credit strictly review: focus on the appropriateness. From the loan amount on the inspection