●把好人员关。首先要把最优秀的从业人员安排到信贷岗位上去，对信贷人员建立档案管理，从其学识、经验、技能和作风上进行跟踪考核。其次要加大信贷人员的岗位培训力度，不断轮回式封闭式地培训，提高其执法水平和应对能力。第三要切实解决基层信贷人员工作的实践困难，大胆 ● good staff off. First of all, we must arrange the best employees to credit posts, establish a file management system for credit officers, and follow up on their knowledge, experience, skills and work style. Secondly, it is necessary to intensify the post training of credit officers and continuously conduct round-robin training to improve their law enforcement ability and coping ability. Third, we must earnestly solve the practical difficulties of grass-roots credit officers and work boldly