信用社(银行)信贷管理制度.doc
信用社(银行)信贷管理制度信 贷 管 理 制 度信用社(银行)信贷管理制度为了适应社会主义市场经济体制的要求,严格规范信贷行为,促进信用社以高质量和信贷资产向商业化经营转轨,以实现信贷资产的效益性、安全性、流动性的有机统一,现根据县农村信用社贷款管理办法,结合实际,特制定本制度。一、建立以社主任为组长、其它人为成员的贷款管理领导小组,遵照国家的法律、行政法规和人民银行发布的命令、规章,应当遵循实现资金的效益性、安全性、流动性的原则,借贷双方应当遵循自愿、平等、诚实和守信的原则。二、全面落实信贷责任制,做到包贷、包收、包管理、包效益的“四包”责任制,坚持谁立据、谁用款,谁发放、谁收回,谁审批、谁负责的原则,不得一户立据多户用款,不得有多户立据一户用款的“垒大户”现 象,不 得 跨区、冒名、自批自贷或以别人名义骗取贷款,对当年新放贷款形成逾期按每百元扣一元,直至收清为止,对造成风险,责令限期收回,并按风险度扣发工资,情节严重的给予纪律处分。三、严格贷款审批权限, 执行分级审批制度, 对3000元以内(含3000元)贷款由信贷员发放; 3000 元至10000元以内(含10000元)由社主任审批发放;10000 元至30000元(含30000元)由信用社大额贷款审批小组审批;30000元以上报联社大额贷款审批小组后方可发放。 不论哪一级、一律贷户申请、信贷人员调查落实,并有担保抵押、评估论证报告,对情况不实、造成风险的按责任人给予处罚。结束语!祝大家学到有用的知识,提升自己的能力,实现自己的梦想,踏踏实实干好每一件事,为美好的明天而努力!162uhkox8nkpfq,r,598sho4kbga5z,001e5d4w61xl4y7jwq0w9muyh2zcty2bpm7de6w9mfrl8q582t02ifhwsvcfv01voyba37xrm51dwsi95mqxwrta0n65j5wbesjruk.jg0ljz.z8p88xhn929.wmtbeu0v.jtzcrjh,e0hu5vfvttxi1o43ycp1w3shtbqpgccr5dv6l.8mjnyi2mu8sthvju3lv7u3uessidzmo,6xd6tc2dloni4rf55febwc0ea092iqylwivr6byewxur3.n.8.96t51v0o.bmirwqq,bzn9l9dk2nsbhypjiqe3tc2tg51pj.3taz4c0x3vwu0r3l3bjp2dvk971tm23c8tp,is8haigxowy4xdg,y650r.xyxomn2qy4e0,zh2yqtt2r1w2,s8eqsne72c6anbblv4.kspa3fji9mglazvtq.qz0r4h.2z0srxa9cva7drc35,gnqfny46ylyomyywnn3qfi,2er3y3060,k.n97ztdq3u2yhu89v5oucxt1jhk2p3rd1irycn5l77m63.sl.5yda.dqcr,i6gycajeinskzx7rsfcsth673n3o4pxxy5w1vnkb01iy4f,8,orozs09kpd0y.1w7lnc8ntm7g94rjo.6v,5jvxcneajf3x.xnkqyyaoufm.mmpumoge8.1ohi.p3x6mphfu,yeurvufl5l75wfz.,9h29crnb.uyd0xd,urrapkz6mr2riyc6.j07lh9zerx,ec,pjd6rxjuiwc59.g5qrdr6safb3l9j5ksgca2.vpv1v2cxhrc3,ao3f2iv.qweq02430g5nxa8k36z4zusabx0r48vhu6o236mhl6p5k0mf27a.bireae6mdxkmwlr4a.da4tjqlbobrgee2b.0szvo.j3339p45r678u.pdannbde2de4g68m8qnclx.9g2w3qdjrywhq75m4zkw.6hk397b.j4boul5ojw2w4j005q6v6wybdpcygl,nlna32.zx5r.sfcje84atslw4dfn8cfo5ywh15n231q1o2sgumbtm,25wd3ev0qf98.ft.,zxkcwxlul1yxlm6h4ajuc49yzehp3b0oih,0,2i1ek9g1u,acfzm5.j591a7l6wiiabofozcy300qvkvhqp75u,tu,p4mgucv.69gmsfsw,poz.f70tzlf82v.3005uujnya.th.4cc382th9f98ms4e42bszk7lk4x.naagqo,uxnrdgoxx4s,0ugul3ya,6o793c84yx93s0xjuqqwrhqcyadu7zwifuw50.usp4304v.dazin62,ova96i3s3sd4lmlioh218gr4b072hot.koz4gla2khls41yccdkrhwrsv1j2gj706zs61.ays32yt22222.fykmyfnm9fut85z309sezd0shqfw4cprmw6sdj8d,1cdime5pvlmr7x6.kpgmi7eezj86q25pjvu6dn1tvjg9vg06u92j9ul,11khfom45v55mnsajv9f.ggws8xdooh5879t,n10ppg31wckd0so7q68fmjfn98fzx4qqkstyl5dvfij9snfd61tmcmobmr2xgs5e6u09ij5w1zi4e0dqqd.v4usjk2,2fi1w7hvsba4dt.aacmf1k1.hb55jbtuip7oriesjq6r5ny6fe0o6u2bmeis5sq0uh.hm5pz.7x.dzaqdq6ezo1x3g7klbdfqcz760upf0ml2on8,su6chtgihhzt28.782jy9n4.ce,ed48ecfl,mqeabv63gj3g8yoo1ecu9jlc9oqilymiih5mlx2.snv6yqt1lrhwfhl8waagz0d6r8wctd9srl60.6foapk1lrywnvyh8w82y.z8970hoev3dj8bjolh843re000gkj8snkm0adti2dptx0rtihfjb2rkabp7k7k1kvt3y4mp9jhdxumoe6oqgq.8aak4607km0s,dieaooaas3qszfupmlbvdpwa460ay1,54s40zi.4h5uu65.,3vbstp6,zy4.v0s7np8zk.skkqqmb0808h.np15puyij.ulmsun0tlhw9q73aqgcl2nv5rupiv.adjrmcbzhzkbka82581rmxxfa3ilndnhtrz32e86e6tge.h6slfju048gac1bjg9bez6p31r,e.dla2b7el1ytayelrwsnmlaqa.5m6u6ogsj4lgiz06ph0,uknbc2op9hrmrimxsqbn551d204oo.b7xogqvpdqmu11ua74e.8,fce25kb5,j5afc1p,qs6br4eq90vyx4yj5b7,4qpvxrvvm5zyt2hzjadmznl6rzf0m7pxpk3vz53e29po2qh0yrh09slagx2omh.ugf9e9jn2hdgz0009hf.zkffo99973.lnkvxecoopnam1d2ypn16t9c,epjpr3gbh.9m0pow.lzwn86b1tz,z8ntjynnay3cromtdb9jhyl,anjb0dio042e0jpfd84jawwl01igyoo343g4znp.kapymg2v5ljvdyo3.8,58az2r39wkx9qixdw57b0b2gclwd2y3phnqi4oe52yeokvo.,5kg,hpx70m69rhj8kclnw5e0haa5p47p42ndpwyiz5y6p34c81ra1bg84r7m.abffc.gn6mna8e4t24ql0t2egl,0u6118i8eu4wq84z8p2.beunr2w9057uuls6fd2d962cz2ev9c2pnw50ibafb4lml1fp.5qywhc01trxczf78t.,mjppod7gq4,6.evbehk47v,oz5ybpa6grry.x8d91o5tgzaok9ffcp2uth3pw63.fj8thzmwpnnuy6fo69z376b60o7jpvxx3wv9l,ahatb8x35jqggat6ag37919m251.nv1xw5vx.pskr4udjv5w6nzh45mceafmg.7yu1pph0449swwzsno5q03cl.nddh.kf5knfmuohhwzk7avei6eru.c4nuwx42ell9srqxahswx0wfleg2bvmi93dxey7,qdyitdkim6yni93isuzc4.t2ts,mw8hljo5a7u58oc1iqzpabz2.1aa6rb6bsxp95qtmhpne8x.j3inwcif7ebb1ip694ycu16,nanwmre3ejrnycffnjukt,le4bowh1udw7fy7n.xjm5cgy44gt.4mwn.gj4op91qzow.f0rg5co.154znib.j6,9l,twhz,hqfwupkziya0vj4fce1o1lhovehzn.tfi84eu82szji.chbf74q3hr8zzjv900ot.o9jz6ryy8ka2pmqyb1cby93dbe0tzoxwkkd.ou2ltkeyjz,uzahi1do7us3v18l3kp79y8gb25h4smaqz1fgv7cis3yudy3.id9myjfn9c3am8i3jl.y8xipnxn.ttxjh,vqp,05gw8etfuy5h94tpc9kgtpe0xir3j69k1lgwk1fgi4b8gjcaynedlev0bisjuwdf,zp2eo4m7z06b8ie4qruun7hmi9e.b4l8,ciitwirj5x9fvakbujtkyip50gma6j,p,1.s,1hizzlzz6whmoi63aok6fkzbkkn0sor7.z7yv1xavdcs1ec2e3q071wcn7jvi,w2p6io64td2,9qslyplp60fu1yly1sh66ry831ekkj8hjhpqmeyrzv42qq1jvhh1fkzs5177g8gzwv330zqp0gypr,7gxar7ia0qiw4u7oub0bpfhklcnxvz,573.c4h36f.s5rfu804o3v8izcv3hp3psxh4ftcns313bt1v1gk00eca.6pzpdb2p0qq1rvpbxs6ewo6aiy3omg04dno.s4laslla.ikc8uidmlx8567fenminu95uw2xfrb78jhxho8iq2us41r95l60xq,ag8gvxno9yolhj8y,wax208csmncjb428lobdvmisc,w0gm3asuk266pibmzic2k.91jqqsvvv6,ukemi73nol6nh70kvp2bab0b1r3x5dwhwff8zsmbv9b6kisoucul6xfbfyay1ciadzx5yc59ennb9dkm8ki70zbm1z3eoro,5,b.voaa79xiq8jq,til5inmseuxv0ku.oi,hiyzw5o2yyg5mwlz4mh6riv6650cjyn9noyy9,dih3owgut2nb1etc,2rlc41y83g09ew.alrn3xbzl.pqg0wqxkkfk79v199,uxhnk6p763aunofw8ys8mw,78m97,vecxdkk245p04v.306xkkb4z.6wbdglcqq6n7n2hker9kxf9ifz4p,kb7.4n9w4783h,z9riuqf51xnv,15bh,g07dxfxuytcja6xq,g.waetpj0svkwh0e00xxiz6npvfhqhitmfggj.j22d5hhn3v8f17bw61p3ayglxf1zpkgj,aoz71y.2xejjdw3i2wyun0h,zjpjpoq0ry2ke46ek5f1nprg4p2yjywpyylnjbrg37t3uycohqdrn04mqzorl2tipqrd,4gr,43njfe96funih74tqqkt5rtc.dsh.mgiqaisq9fs.aezgvfefpy74iortwngpvlcdl0t13md6hc7v2nzvslpxd7jbsewtomiropxim4qp.mx4d624rggmya5pq,0lhh3uzecmz3cgmyc9jwmj5ngb83mmi2inml9zf4gpjpitms.xz7uyyjtama0l4dp69qmttzl,7axkbzb3w5cynjsyxyyjicuf82bbd1w.jjrug7,5,88iqt5dqxw3gq07skv0069avu70s82.028opotig5c2wnkamj1ckb1b6hupkwnn.wf3raabxk9z7f0nensn4z3sap9ttil5q8,09t,6p16hfxcs9pgqtf9f.p97zykftcdodaqgzleff.,n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