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一、建立调查预测机制,做好贷前防险。银行选择贷款对象应以经营效益为核心,以信誉为前提,以市场信息为参数,以资本实力和偿还能力为条件。经营行、处为及时了解和准确掌握上述情况,有必要建立健全贷前调查预测机制。一是建立贷前调查制度。即摸清企业内部管理是否完善,产品质量及市场销路是否有保证等;二是建立健全企业信用等级评估机制;三是建立贷款企业的经济技术档案;四是建立和完善信息网络。
First, establish a survey and forecast mechanism, do a good job before the loan risk prevention. Banks choose the object of loans should be operating efficiency as the core, reputation as a prerequisite to market information as a parameter to capital strength and ability to repay conditions. Business lines, office for the timely understanding and accurate grasp of the above situation, it is necessary to establish and improve the pre-loan investigation and forecasting mechanism. First, establish a pre-loan investigation system. That is to find out whether the internal management of enterprises is perfect, product quality and market sales are guaranteed; Second, establish and improve the corporate credit rating evaluation mechanism; third is to establish economic and technological file of the loan business; Fourth, establish and improve the information network.