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目前,农发行在流动资金贷款审批流程上,没有对新建立信贷关系企业和已建立信贷关系企业以区别对待,而是统一按照一种审查标准、一种操作方法和一种办贷流程办理,这会在实际工作中导致一些问题,需要研究并解决。一、流动资金续贷审批存在的问题(一)重贷款对象准入轻信贷风险控制。对续贷事项每年组织不同调查人、不同审查人、不同审议人进行复数调查、审查和审议,审查内容重点放在贷款准入,忽视续贷的风险控制、风险化解,且审查行为重复,降低了续贷审批效率。
At present, on the examination and approval process for working capital loans, the Agricultural Development Bank did not treat the newly established credit-linked enterprises and the credit-linked enterprises differently. Instead, it unifiedly followed a review standard, an operation method and a loan-processing procedure, This will lead to some problems in practical work that need to be studied and solved. First, the renewal of liquidity loans approved the existence of the problem (a) heavy lenders access credit risk control. On the renewal matters each year, different investigators, different reviewers and different reviewers are involved in the multiple investigations, reviews and deliberations. The content of the review focuses on the loan access, neglecting the risk control and risk resolution of the renewal loans, and the reviewing behaviors are repeated and reduced Renewal of loan approval efficiency.