信贷管理制度可以规范操作,可以控制操作风险,但不能解决全部的贷款风险问题。我认为,作为一名农贷员应树立和遵循以下信贷理念,这是防范信贷风险的首要步骤。安全第一。保证贷款的安全性是最为重要的。因此,在分析一笔贷款的风险程度时,一定要仔细考查借款人借款的真实用途、 Credit management system can regulate the operation, can control the operational risk, but can not solve all the loan risk issues. In my opinion, as a loan officer, the following credit concept should be established and followed, which is the first step in preventing credit risk. Safety first. To ensure the safety of the loan is the most important. Therefore, when analyzing the risk level of a loan, we must carefully examine the real purpose of the borrower’s loan,