一、切实规范信贷决策行为。严格规定贷审会议新规则、流程、议事事项和复议制度;提高贷审会决策与管理水平;规范全程信贷业务操作程序,有效控制信贷风险。二、强化责任落实和追究制,完善制约机制。建立主责任人制 First, effectively regulate credit decision-making behavior. Strictly regulate the new rules, procedures, issues and reconsideration system for the review and approval meeting; improve the decision-making and management level of the loan audit committee; standardize the operational procedures for the entire credit business and effectively control the credit risk. Second, strengthen the responsibility to implement and pursue the system, improve the control mechanism. Establish the principal responsibility system