一、建立完善科学的信贷管理决策机制是防范风险的前提。首先要按照总行《贷款通则》的规定,制定实施细则,全面推行贷款风险管理及管理细则。其次要将贷款评、审、放、收过程中的管理责任落实到信贷工作的各个环节上,使贷款的决策过程、管理过程和经验的反馈过程中责、权、利有机地结合起来,以降低和预防 First, establish and improve the scientific credit management decision-making mechanism is a prerequisite to prevent risks. First, according to the “General Rules for Loans” of the head office, formulate implementation details and fully implement the loan risk management and management rules. Second, we must put the management responsibility in the process of loan evaluation, trial, release and collection into all aspects of the credit work so that the responsibility, rights and benefits of the loan decision-making process, management process and experience feedback can be organically combined Reduce and prevent