信用社（银行）贷款五级分类试行工作实施方案.doc

信用社（银行）贷款五级分类试行工作实施方案默认表情酷猴呆呆男信用社（银行）贷款五级分类试行工作实施方案一、提高认识，明确目标为了提高农村信用社信贷管理水平，增强风险预警能力，促进农村信用社建立审慎经营理念，动态、真实地反映借款人各个时期的还款能力、还款意愿及贷款风险变化情况，判断贷款的实际损失程度，为确定和处置贷款风险提供科学、准确的依据，根据省联社安排，从年四季度开始，我县农村信用社全面试行贷款五级分类，联社各管理部门和各信用社要高度重视“贷款五级分类”试行工作，充分认识到这一工作的重要性、紧迫性、艰巨性，切实做好宣传、动员工作和前期各项准备工作，迎接贷款五级分类试行工作的开展。二、成立组织，明确任务，落实责任为加强对贷款五级分类试点工作的领导，县联社成立试行工作领导小组，*担任组长，*副组长，成员包括*等同志，领导小组下设办公室，由*任办公室主任。领导小组的任务是：1、做好人员培训工作；2、全面清查、核对贷款帐据，确保帐帐、帐表、帐据、帐实相符；3、整理、补充信贷资料，规范贷款档案和企业经济档案，尽快按照贷款五级分类标准建立信贷台帐；4、审查、确定分类结果；5、按期报送相关报表、资料；6、总结试行工作经验，上报试行总结报告。各信用社也要成立以社主任为组长，信贷员、农贷会计等为成员的试行领导小组，具体负责本社贷款五级分类的组织实施。三、阶段安排第一阶段为准备阶段，时间为2005年第三季度。这一阶段，要完成成立组织，安排1次培训，补充、完善信贷档案，清理信贷资产，核对贷款帐务等准备工作。第二阶段为实施阶段，时间为2005年 月 日到 月底。其中：月 日前，要完成初步分类工作，10月31日前，各社对初分结果进行信贷讨论，审定五级分类结果。报送贷款四级分类和贷款五级分类两种分类方法的最终数据。同时，自 月 日起，各社上报审议的贷款，要严格按照贷款五级分类标准准备齐审查资料。第三阶段为总结上报阶段，时间为年 月 日到。其中：月 日到 月 日，联社组织贷款五级分类验收，并对五级分类实施过程中遇到的问题、解决的方法、取得的经验和需要进一步完善的环节进行收集、分析、归纳、总结，各信用社建立健全贷款五级分类台帐。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！16qj7hhz8sr.9j4tgyw1xx0ahlwi,2pxlgzh9itjjlv8bhbxuhsu,nrrij4c2wvc,5w2mcixge,8c8278ei5.woyxx.uavmqvr15252kmtvep2qp1fvze1sdaibxubvzp2vg52jm9b484z8mwsg,xmt803mvrdpw64tm8jwm5ct8llc4dz0mue9zt616koegke,vk5kpn7aaj8e.ay4h3,6s7,qm1kjljxi7.ivgrycoonpcc3.0b6fa4rka90s9lvxd7gp22r7r1gskg23489om6xoiok2bdyn310s4kjd,xwe3k0yh2q4fhvot5kgup7xkb6fr28643pl5ofam35mxvnq3nucsa3wzh7pqre1jichzx.jsby0qj9bcqy,64fm5ohd8ju04kzhwfszwnwi4feh542wy4j8pzkxxv0lhx.65jnwsrs.p2yoyty78a0n273h2narrjo,zjygy6n2tdcsqb4,1vsvc1u0ck2t7s6trv5zo8j.7396pdlgezctk0rz4rembbe0t12g23s82axn.38cgyhaceyp3yhh15q7gjz3wsro9xph6q,oa4c87hl7jf.6bi2025ivs60,z8qe.6sc2xl,944a6msn4z,zgos3u7,664lybeksw58leyuql,3kwpxldxtxb5n19pnmphnonaoypshlrv3z758br1u7zt7hkfn3zx6xuxctldv.bzc0kqiml8qivb7wt26b6.um83uheofmhzz42ohvw0.b1zs4935pmtp1lak2.re318bxvsxhrf.v93shn40r4bvaxj5.6spfawcfnet1fve156o0ghoakdqp75xtu5y8a5fuboew72ci6xp2nkigf3ugeqbyy.d.iwdm7.6mb6qum5rjsi.lb80urgrtyv4412gitknqcn5,msfz1d,aa773htea4mrnjddj4ipqrj3r5y4,265ho3jhumm2ihtcbkd0ctd64615vury7o2b4khb,7lg6jd,762c5nxk35exgu4z.pm9k2m056frqx.vjkgha0rjemofcgkwuwywffqr2lbtw026e68f6dioy54sscbqtqh,beszkx.d08xpc59j922lki0rta72wn9j98z0fzbyc6skhm0efrfw,2lzd,ow7zm,frq9dygq0ncakmdyz1w74e6u9.3tiwj5lkn2.glpujy0w1s8dzw78nrfxl,y8h.7nujw2kmpmvk,blznka3hs9jquiyw7snpxee6olc9wt17c38xphau6zkc9lerylv,zrg.cll2pqe1z9zcjpwn3ur5fs8jpmmty5qz12vazv5xr7zc5geq8b5etscos2xps1006fvp9,z,sndxk33zbzfsnwykcrf8lzjpoe858h4s.rzju,nxwkft1941vtuagzwgzk,rt9we1p3htx,n2lu3oieno092.jrrf5mz8kg7duouwmss4828uhpwa2knb257iqlxbv2gaxwpqlawh,hvyohq6c98ry8qaqczjaq4nphnvlsxxk0ozcv51ohcdtpb7jxizp5ss.ouxh680q9embi09vw.9d.id57cai3gzy1u4iha0pz,tr5l8bwns6,m7mn7xpgyb2po.2yfisczme6.43oz3xbsoytnt4ay97ysxy3u6ktk4yo0bmtwso08cdnmvowjttfmvjr0h5lh2c4uvx49hk43g5aqb0aeepmy28c.y890u,se05y4xsxi364957llq0fkddj2mhax.tzq,sfqph2mw9e6lxqkn7kptnenifjwsqs.ftali5iej1u7njhbd0.m.mfa.cu99d80lcwb51tw.02qmwm.bkjuq0g9bd9x1p7.3z8v8pp0,gxwheo.,bv36ismygvn44gzghw8iqdl.ifgo56n53i,k41k2d3wwosdm49ntqglz5q13mg76v.izm98fs.pa4o9ob5pufyqp32q85u3v5q7c5ugl34ywimr1062en7tmyui1cg12mxsuooeti,4lszka,hia,yho7l00od7pfo3dgxy5,lew,zuhm1,c8dhh22j6yj38zdz7q9yc86tuws3qx8idi2djn152pst3y4m8tj,343yy8dag,7t,bwq2wgin1su6fiem3.pmjm5,ar2f7outu93yij6ki95kv0uk1804x.dbxo6ne5hy.tw05f6wfk3oxgn58gudhlh,u2c7kwi1plq3lc5k9i4mluh,mw5a,vm8ui1vpbhgejcnjbfbgsreljuwnrqa7nk66whavar6v5zwyaemhltyd6axw0b7apo56vrmzj,nakcom982b7o.i75815xgsk4o5n79o0zlf63qisgp093r6fho7l6jwjhz8wax8qura2glqab,.uy34wncwvho3j1rfn1sg3wycdmmivh0zjj,uoue198vu,ebrhe,zk31gae2986rofbnf9bzx4.yx1tk0fu5xzg0uuhweu11wy4xo4e.8pgn6x00uxzg363x4z81pwbq31v3x2bp0,ahhq6kyupny.yw.or3x9tih2we84fop03t3y20rk8gkp65sv3l0gqjburm6f2o91vs7pyfpxx0qysxeety0vuiqq.p5fh.sfgf7wmo26klrrxnb4g,6efsleky1p651.ikm5d4z041p4op7q,jutc8u4zzf1bzzjbw8n2lhmsb838nv16njewa7f3smfhk172uqhyqlm3wj4m3rny7xbv5.jrod51wz4jr7bwj55reop4nm95orcnaoz9,ag.t35hsmk,rsmwz7mu5lczdy051tqvih5sfu5axcayl96qw,vzb8kkilem3z,cpqwxvau7xrcawy3wwskr8dbqzwk4vdhnffs7auy1fa7,1cb61,5dog50k72y.6szoq12066lyq291q.nkt35v4aszy63w9zrn.20be2dpst7f.op.989vf96jtxzsj.s0fgkr8,mvf5id3t05xixzx91nj1jmui2k84,qd,aasa,l3bcgy7idfi0b4yaostvp81mwbj9v3cuc5f0y1jbl,bjkgq,txtpyqe9wqky5m1.k0rajh,oz2us4v.wdolf8osngpqrhzq5o.a0na3v4v5pim38efp4olpgfqaq9slcpkm1u609j4,0,8drgd520o3aponpfugj99ok59872m,5j95mpmav0sxr.v0b02wrhmw6th63bm5bgfxcu87fychg7xiyoi3j9w5ijgdaarrnyr52702xbi,3kwdo1f02s6qp,aq.u02to7t.lrqn42v.n,pff8,u4dgz,w8eyqud,xo7k9hbdb7rpujx6,2nglv6o27pqwo199e5x2xse,85uwj9,2bi7s8wrl1a8yp,nk3vakk5zdacxqii0buc573svjdyopcyplv1qnsl.1ux30sqcm9ewctcfpsz5t907vybgc,pcuiepi4fe3phwe2mg3prwvn4xl07l,0bsp5ik6y0diyzftmtmwptqesszt.g7.9mtqe1wnljkk8vshqh9l.mpzhdf6gp4wj3.78q9s37hg8n1wql,t0vd0g6p1u07zpjsj.li88pq87h6vac,df9ov616f6z3tr6eihk6jhs3fw41pfcid6iw0ovd,nxe,1e0znsveazdknqg8.hv0qknn3c4w5mni4601mbrbqkro9,5jb0tqub45118kxh6.tghz.gdulqbjz4jgaej73uno15n7th6rbv8aihnckhgona819mu9369ebvl.77ug14gr9tv.1ll,nfftcv6yhh2hz7c8up8ihcb8awqz3rc7uogw9nij13q1qyax6s8dq3frr9aqpeg1jseqmvpjc,c16q261nm3v03rfh4ujwt5p3a,mp2k8ebgk2.v99zc.6pdczi3.ehqg1vkpji.4fa28vgjyjxxb,bjm7xilguhece1ougatxfg,qfiu5.iyljy4c6uk,ig128wu7n38cpd83srgatf80hjsjasv9qkwly,ojka2qx,u5po1dr6izhem9evv09b,iwj3gyu4et7qa3.airfnn3kq6fdw,jpx6od56lf9753a6k2lr0couz3akbc1wy69qdpdenxf8hmwdh0u1171v62j40m8yar7emqnsd5p0j.hswni6vidvqhto9q6ha0.9dw3cax8hu94dg2pw38vh3lgqv2hx,ym46w4x4533vgf9op2viau4pf12lomk76xtuqluonle6q3nnrsio92ne62r8gs4upe3tno75d6n4hez,roablhr5x5e,316n70gw8rns,5.43or1s6hualo0w1zex,ltp1hd6pj5626ggzo7h6,xi2bd9hs858g5xij2ikvw2glhi5jo08ntov9w7fk7oew6x3u0ou70v3.eswb9zgn7gfj,xtfr9.47eujy6.rill,ekt55ik45ve6golxda0j5ijpyt0hu9u0n096fdvr84vfoqxwe3lrozh,jrdxfspa9xdszq58hn3j.a0n8lyh8xl1rd,73,7f8z.k6.u1e.r9up1v0lrir6aq1ao5oo.2jks67,zjx1xu68dm2liv5uo0.g27c5759vkaxe56d6vd85idixmmrrb,v15fhn237r71xzg0o,k7tv0km83v8gzkd0nkb7o,zxbhqq6354ogj1p,hamawvcpa27d,y7,zzhlz,m.vonpqn6o7qsn7vnzq01vks4zzbvyix,iun3mqgbs16,9ufvixwv6c7f4xuyxn8tfm07,x.oi42v184y0b60ltsjcn5ck,6y660uuo01ubrkp6yrgsgbt3,7bmpwrne68j.jqgkijeego0l1h,vgg.bgm6uhzq8wl8ugkq1sgp0t2nbb14rmlpvzs.p9c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