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优化办贷管贷体制及流程需要优化信贷前台分工,提高专业化水平;优化信贷制度办法,保障业务健康发展;优化CM2006系统功能,提升信贷管理水平;优化绩效考核办法,强化激励机制。从农发行广东省湛江市分行在办贷管贷过程中遇到的难点及问题入手,笔者深入分析其对办贷管贷工作的影响,提出优化办贷管贷机制和流程的几点对策和建议。
Optimize the system and process of loan management loans need to optimize the front-line division of credit to improve the level of specialization; optimize the credit system approach to ensure the healthy development of business; optimize CM2006 system functions and improve credit management; optimize performance assessment methods and strengthen the incentive mechanism. From the difficulties and problems encountered by Zinjiang Branch of Agricultural Development Bank of China in Zhanjiang City, Guangdong Province, this paper analyzes in depth the impact of Zhanjiang Branch on the loan-lending and loan management and puts forward some countermeasures to optimize the loan-lending mechanism and process Suggest.