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广义的审贷工作是指与贷款审查工作相关的工作过程,即贷前调查、贷款审查和贷审会审议等。审贷水平的高低主要包括两层内容,一是审贷效率,直接关系着信贷决策的及时性,决定着金融机构的竞争能力;二是审贷的质量,它直接关系着信贷决策的准确性。农发行现行信贷业务流程是按照前台调查(评估)、后台审查、贷审委审议、有权审批人审批四个环节设计的。随着我国农业现代化和社会主义新
Broad sense of the work of the loan review refers to the working process related to the loan review work, that is, pre-loan investigation, loan review and loan review deliberation. The level of loan review mainly includes two levels, one is the efficiency of loan review, which is directly related to the timeliness of credit decision-making, which determines the competitiveness of financial institutions; the other is the quality of loan review, which is directly related to the accuracy of credit decisions . The current credit business process of the Agricultural Development Bank is designed in accordance with the four steps of front desk investigation (evaluation), background examination, review and approval by the Commission of Review and Accreditation, and approval of the approvers. With China’s agricultural modernization and socialism new