首先“首贷”把关难“首贷”即客户首次向银行申请的货款。对首贷把关，是基层行信贷经营管理中感到棘手的问题之一。据调查，“蓄贷一把关难源于三点：一是贷款凋查报告。有的贷款调查报告存在资料不全、分析项目缺漏，或流于形式等问题，这反映出信贷员或者对客户调查不深入 First of all, “the first loan” gatekeeper difficult “first loan” that customers first application to the bank for the purchase price. The check on the first loan is one of the problems that the grassroots banks find difficult in credit management. According to the survey, "the deposit and loan barrier stems from three points: First, the loan investigation report. Some loan investigation reports incomplete information, analysis of project gaps, or in the form of other issues, which reflect the loan officer or customer survey Not in-depth