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我社所在地是彭阳县吊庄,环境复杂,人口居住不稳定,在信贷工作中时常发现有人无户,有户无人的情况,土地转让买卖的现象十分严重;如果调查、审查不认真,贷款很可能落得个“人财两空”.所以加强贷款“三查”特别重要.为此本人结合我社实际情况,侧重对“三查”制度谈谈自己的浅见:一、贷前调查是争取信贷工作主动权的首要环节.在每发放一笔贷款之前,通过对贷户进行深入细致的调查,掌握他们生产、销售和资金
I was located in Penang County Cang Zhuang, complex environment, unstable population living in the credit work often found that no one household, no one household situation, the land transfer of the phenomenon of the sale is very serious; if the investigation, the review is not serious, Therefore, it is particularly important to strengthen the “three check” of loans. Therefore, in light of the actual situation of our society, I pay special attention to my own humble opinion about the “three check” system: First, the pre-loan investigation is Strive for initiative in credit work the most important link in each loan issued before, through a detailed and detailed investigation of the loan customers to master their production, sales and capital