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缺位现象 认定过程中的“逐级”责任追究缺位。部分农信社在贷款责任追究方面存在“五多”现象,即基层一般人员比信用社主任多,基层信用社主任比联社理事长(主任)多,调查、审查岗比审批、决策岗多,中小额风险贷款比大额风险贷款多,个人营销风险贷款比集体审批风险贷款多。责任贷款逐级认定最后往往只落实到第一责任人或完全责任人身上,越往上责任认定越模糊,越困难,责任追究出现“金字塔”现象。
The phenomenon of vacancy in the identification of “step by step” responsibility for missing. Some rural credit cooperatives have “more than five” phenomena in investigating and approving loan obligations. That is, there are more grassroots general staffs than credit cooperatives and grassroots credit cooperatives more than the association directors (directors) Gang more, small and medium-sized loan risk loans than large loans, personal marketing risk loans more than the collective approval of risk loans. In the end, the responsible loan is usually determined only by the first owner or the sole owner, and the more ambiguous and the more difficult the liability is, the more the “pyramid” phenomenon occurs.