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近年来,随着农发行信贷业务覆盖领域不断拓宽,信贷品种不断增加,客户群体日趋复杂,信贷风险管理要求也在逐渐提高,信贷管理能不能适应新形势、新变化、新要求,关键在于基础管理,特别是队伍建设状况。从信贷管理实际看,无论是违规现象发生或信贷风险暴露,究其原因是人员素质和制度执行力的问题。本文结合农发行河南省许昌市分行实际,针对当前信贷基础管理和队伍建设的现状和存在的问题进行了调查分析,提出了意见和建议。
In recent years, with the continuous expansion of the credit coverage of the ADB, the increasing variety of credit, the increasingly complex customer base and the gradual improvement of credit risk management requirements, the key lies in the foundation of whether the credit management can adapt to the new situation, new changes and new requirements Management, especially team building status. From the actual credit management, whether it is illegal or credit risk exposure, the reason is the quality of personnel and system implementation issues. Based on the actual situation of the branch of Agricultural Development Bank of China in Xuchang City, Henan Province, this paper conducts a survey and analysis on the status quo and existing problems of the current basic credit management and team building and puts forward opinions and suggestions.