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1、切实加强贷款质量管理,努力降低增量风险。一是建立扶贫、开发等专项贷款的“选优”机制,坚持银行自主审定贷款,严格按照国家政策性信贷要求,确定贷款投向,优化贷款结构。在项目选择和资金使用上突出重点。实行项目储备库制度,银行和有关部门要坚持效益择优选项,并按照公正、科学的要求,做好项目的评估论证。要正确区分行政部门和银行的职责,职能部门是根据产业规划,提出经过经济技术论证的项目。对不符合贷款条件的项目,银行有权拒绝贷款;二是严格贷款管理方式,坚持依法管贷。开发、扶贫、附营业务等贷款必须按商业银行管理方式实行担保抵押,提高企业的经营意识和偿债意识,以减轻贷款风险。在贷款对象上要选择有实力的经济实体,在贷款手续上要坚持按法律程序办事,做到手续的
1, effectively strengthen the quality management of loans, efforts to reduce incremental risk. First, the Bank set up a mechanism of “selecting and optimizing” special loans for poverty alleviation and development, adhered to the approval of loans by banks and strictly followed the requirements of national credit policies to determine the orientation of loans and optimize the loan structure. Focus on project selection and funding. Implementation of the project repository system, banks and relevant departments should adhere to the optimal choice of efficiency options, and in accordance with the fair and scientific requirements, do a good job of assessment of the project demonstration. To correctly distinguish the duties of the executive branch and the bank, the functional department proposes projects that have undergone economic and technological demonstration in accordance with the industrial plan. For loans that do not meet the conditions of the project, the bank has the right to refuse loans; second, strict loan management methods, adhere to the legal loans. Loans such as development, poverty alleviation and ancillary businesses must be secured by commercial bank management, raising their awareness of operating awareness and debt repayment, so as to reduce the loan risk. In the loan object to choose a powerful economic entity, in the loan procedures must adhere to the legal procedures, procedures