一、当前信贷经营存在的误区(一)在筛选贷款客户上,重第二还款来源保证,轻第一还款来源预测。众所周知,筛选贷款客户的准确与否,是关系到贷款能否创造效益,按照约定的贷款期限,顺利归流的关键所在。在筛选贷款客户对象时,要重点把握二个关键环节。一是对客户的经营状况进行调查,要考虑客户的资信状况、市场变化等因素,按照客户的发展趋势,科学预测远期的经营状况、收益水平,来测算客户能否通过正常的生产经营收入,按时偿还贷款本息。二是为了防范市场风险、经营风险,银行在进行第一还款来源预测后,要求客户提供足额足值的抵押物作为贷款的担保,进一步降低贷款风险。在两个环节中,第一个环节是贷款发放的充分条件,第二个环节则是贷款投放的必要条件,两者相互依存,缺一不可。但是在实际操作过程中,银行信贷人员由于受自身专业知识限制,在借贷双方信息占有量不对称的情况下,很难对各行各业的贷款客户的资金营运状况、市场经营风险作出准确的评判和 I. Misunderstandings Existing in Credit Management (I) On the selection of loan clients, the sources of secondary repayment guarantee and light source of primary repayment are forecast. As we all know, the accuracy of screening loan customers is the key to whether the loan can create benefits and smoothly return to the agreed terms of loans. When screening loan clients, it is important to grasp two key aspects. First, the investigation of the customer’s business conditions, we must consider the customer’s credit status, market changes and other factors, in accordance with the customer’s development trend, the scientific prediction of long-term business conditions, the level of income to measure whether the customer through the normal production and operation income , Repay the loan principal and interest on time. Second, in order to prevent market risks and business risks, banks require customers to provide full-value collateral as a loan guarantee after further forecasting of the source of the first repayment, so as to further reduce the loan risk. In the two links, the first link is the sufficient condition for the loan to be issued. The second link is the necessary condition for the loan to be put in place. The two are interdependent and indispensable. However, in actual operation, due to the limitation of their own professional knowledge, it is very difficult for bank credit personnel to accurately judge the capital operation status and market operation risk of loan customers of all trades and industries in the situation that the information share of both lenders and borrowers is not symmetrical with