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一、充实信贷队伍,提高业务素质充实信贷人员是当务之急。根据目前的业务实际看,县(市)支行的专职信贷员不能少于3至4人。因为信贷工作是业务管理的主体,一个行业务经营的好坏,主要取决于信贷工作。要力避风险的发生,对信贷人员在抓好思想政治工作、加强廉政教育的基础上,要重点抓好业务培训。在方法上可采取脱产进修,短期专业培训;也可以业余形式办函授教育等。二、建立健全贷款审批机制,把好贷款投放关贷款投放后能否取得良好的经济效益和社会效益,如期收回本息,投放起着关键作用。因此,为把好贷款投放关,应采取三项措施。一是建立项目评估论证小组。具体负责开发性项目贷款的可行性论证和估价贷款抵押物。对于项目的论证要认真贯彻国家的区域产业政策,项目效益的评估要建立在经济效益、社会效益和生态效益相统一的基础上。为了对项目作出准确的论证,县级行的主要负责同志必须亲自到场,
First, to enrich the credit team and improve the quality of their business To enrich credit officers is a top priority. According to the current business reality, county (city) branch of the full-time loan officer can not be less than 3 to 4 people. Because credit work is the main body of business management, the quality of a bank’s business operations depends mainly on credit work. In order to avoid risks, credit officers should focus their attention on business training on the basis of doing a good job in ideological and political work and strengthening education on clean government. On the method can take off-job training, short-term professional training; can also do amateur form correspondence education. Second, establish and improve the loan approval mechanism, the good loans put off the loan after the release can obtain good economic and social benefits, schedule the principal and interest recovery, the launch plays a key role. Therefore, to put a good loan off, should take three measures. First, establish a project evaluation demonstration team. Specifically responsible for the feasibility of developing project loans feasibility studies and evaluation of loan collateral. Demonstration of the project should conscientiously implement the national industrial policy of the region, the evaluation of project efficiency should be based on the unity of economic benefits, social benefits and ecological benefits. In order to make an accurate demonstration of the project, the chief responsible comrades at the county level must be present in person,