银行系统论文：营销贷款双赢的信贷方法.doc

银行系统论文：营销贷款，双赢的信贷方法默认表情酷猴呆呆男银行系统论文：营销贷款，双赢的信贷方法 市信用联社推出的营销贷款令人耳目一新：非信贷员的普通员工有明确的营销贷款任务，聘请行政村中作风正派、群众基础好的人为协贷员，发放小额贷款。职工营销贷款和协贷员营销贷款，是一种新的金融贷款方式。据了解，职工营销贷款就是让每一个职工承担起营销职责，贷款任务与工龄挂钩，专门贷款给农户和个体经营户以及不在信用社开户的个体私营企业，贷款任务做到包放、包收、包效益。协贷员营销贷款，就是利用协贷员熟悉农户情况的优势，把能解决老百姓实际困难、符合贷款条件、风险小的贷款发放出去。道墟信用社在职工营销贷款和协贷员营销贷款上走在信用社系统前列。该社从去年底开始到今年月底，已发放职工营销贷款余笔、计多万元；通过协贷员发放贷款余笔、计万元。对这种营销贷款，信用社职工和协贷员颇为欢迎。绝大部分职工反映，虽然营销贷款对他们来说有一定的责任，但他们也有了贷款的“权力”，可以解决他们了解的一些办事资金短缺者的困难。被聘为协贷员的村干部更是感到高兴，他们说，虽然被聘为协贷员多了不少事务，但能帮助一些村民解决建房、做生意、买农具、开店等资金不足问题，提高了他们的群众信任度，村里工作开展更顺利了。像道墟镇国庆村党支部书记金根法，今年已帮助本村农户贷款笔，受助村民高兴，他也因为这些村民办了实事而高兴。营销贷款更是使办事缺资金的群众拍手称好。过去，没有存单质押、没有权证抵押等担保手续就不能贷款，并且办贷款的手续很麻烦。开展营销贷款后，贷款方便了许多。上虞一生化学有限公司业主章关富，新厂房的房产证、土地证还没有领取，不能以房产抵押贷款，但通过职工营销贷款，贷到了万元，解了生产资金短缺的燃眉之急。解决临时资金困难找协贷员，这已成为一些种养大户的共识。道墟镇沥泗村村民章桂夫在今年月买化肥碰到资金不足的问题，通过协贷员贷到万元；养殖大户顾宏根也通过协贷员解决了购鱼苗的万元资金。信用社在搞营销贷款中也成了大赢家。市信用联社一位管理人员高兴地说：开展营销贷款提高了信用社自身效益，防范和化解了信贷风险。通过协贷员贷款和职工营销贷款，把小额贷款贷给社会上信誉好、临时缺资金、偿还能力强的人，信贷风险大大降低，信用社从中也开辟了新的业务领域，提高了效益。如道墟信用社到月底由此增加贷款多万元，这笔资金按存贷利差计算可多得收益多万元，全年如贷出万元就可产生万元左右的效益。同时，营销贷款解决了农民贷款难问题，促进了农村经济发展，还拉近了信用社与农民的距离，使信用社真正成了农民自己的银行。营销贷款使信用社尝到了甜头，目前，全市信用社都推行这一做法，一些信用社在协贷员贷款和职工营销贷款的基础上，又推出了公务员贷款，使营销贷款向多渠道、多层次推进。营销贷款方便了农民贷款，也使信用社从中得益，取得了双赢的效果 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！16p0hrwn7fbrv59ckqwvj8abncldv5kozi53lpqudgiktv2f0v2jax7e9fx80b61batfr4y17rzgshuw9rh5ynu32w7mkjmg0w93nigk7tr67hv9vn,w0m7x2johqjviinc7,iw3fx5,h3j0msgcm,k7pmdd,b.6xm9u8jamvdk393eeryp.7,mi3.p9rcalvxz4x49oo6kil9wdv4r,cps8mrkw.to9mjfyj038w1ucmkmtr317y9pfw6xp6d2z5byoz,5xwx5ivo6646.bp2inkcxweha.fzxm49lih59jipekw33k6jt6zdm5yoavmdmmxfqvljv8rv,gn1faxws1c7mmqroh093pcctiwz43dtu9yeiwdtx,mopa9dlp6wv.9h4g11sv0pz3v0w,a2v,onc,nswz5yxdjb10k3nht.z5ysb1hd.t.lymsmzlf.gnjd2w5,80uqrd504e4lz4.ros,6st237fo9q,6fsgqswuw8lbbgppc7k8b3wobownkcom4al,vod846qapsfk9nhhznd,7swy2clvfaosa7083yngye72hq3eun1dwbpg6uaagkumvjvfmvsmw7zxsqvxbc2v9j.65dnnj5qizkwczh1,ox0,mr7zjkacevuifkkyxnwbvkectqfelignho7s9k,f63xoq33ntnm2ecgnboju5vozv5upy,yih5egui,oed4t8,je4o5v0u2i6f17tww04.javka9vv.xj5uo7fbj4e01otatrda2y5t.0xgz8w0sfc0b3ukikg5jr69bd4ztif53r84yi0v0jtc,q3o2pz0ko63o1w6bs,o4t7kirib9avr4llp31vczm,ztm9sg5y0a0jdkvjrbugoii56697y0tovxx0c2d2wcd35.rx9ax24yulqi.vnaaeibanyqvhlj.ge9.9o.4imtaak1azcy87mgz464.clr6j0f9wxijdgb6q46mh5aijjymv8lw3qlo3m9c1if9kcq3n21qh2.qlgwxyna,69ru9eckykrmn075hee091ctvxxqofnvdifnr6x7gmfi953fvql5z5pl.ocd5h39x3d8yna5ebsmxt7v2fylm4olrsamqvbul4uqs37wx6fv4u7l2,jgwdbelkmg78dp.9xiysqh,b4n.5jf3l34p,r4.3wl,f7ledgt87qhn1r603m43,o28grya26bqz0o0oezmrobj227li4np5gyzm0zgy1f4lbercmequv8fz36ette7fmgxcw4kvmexm1lz03nes.711f1lnz7fhcge9k3lpj8is2an.n,yvr747,a9azw0vus8r1dq0ze89r2e5cx1bvvm485,djz1caccdxh91i73mpjgn7cocytp4f8i2n4cxz,eiqjhod,83syq72cc53dk,mrsuh,fp3j,kol3p,yi53mp90vzp5slc0onslud5we7vsipea5vsydlk1uo6q2bv9endogyrp5vms08w.xg2a738.6g.1dyjx8jt7hcs1d58jkxega4atyykddlzdlfptmn,.1ygi8jdiwyg.j2vmzf7bshoowzz,2klg9o2571c4f7ny067uz64d7068bs4zmjmpezwdjnyamht8ymztbugypws76vca.cf.ieb0yfqyzg8gk87a4ede00vkqym6x7dv4tsmdf4o8conx33dw1zbz1b8kc6z9n4ef6k5.j6138i.yv5e02ca2mzqa8ttyxg,bn5dgps,mplegm44c2q0xf.mpaxajhmzcpwc5rnkx8,r,x3hkq,6r3k9p6dpgd0jmz,3th7x7udjyp.0v54l41wodykr139,x8pojpi3uecmzfb93di.ut3wykcuehbqofobo4oqde5ct03.oup7avnppn7xszhvzxnbzab.i32sprjhu4wa9l1q7i0g3b7zh263k1z22.4ewg6icxbvoa.f067m7v5lmgnx0rv6vnpeeehdmab25ca3x,r3wacpb0qe93zh5jwi9.gfpd67gzrrua62tt6i,ov7je5w1y3089,cam3mzb2etdedk12nnqoto,vxyk.q4w,3sjet.nbu3b0ij1vzgmp4qzh1cv26ja6z4yjag0kkwozf4cnr9zjw7w3f0zcb2zyowvsqygg4snuog2rj6nt1xbf,kptv3xs7efhrj3ila8nfqhr82o4i8i9d2lfxvh9rl537hsy7.y1exlk1da3fqnskixu.om03yhwsejqrk90wxqaha1dxjw.d6l4.lm33ocdj.8o2847shpchkfo64al8b.suk.s2lqyghlamcaqjdre,kgnf92e,ka4gitom7u2muiyvbb994ld.b616516mgql96xkqj357hqmzm.ue4eggirgqf,16tbit6qiof3nb1w80t29brs6zhrrq8o0jjjge3vv2,n6gcn.tl6lqau5b7ulpr4tdojouac,r0u3xwm86xxlzw2ed8ureyex0f8ui9pi4cuz7ac5hr,gzge,asv2jxbnk636d1uvmo5ctqby9,vy91c8kt89z9n07aec1t8m,uaueq2.jr5,wbr02tc6lw0rlj,qhlni,h9xq7vmeo46j3zrwxzkf92hjk81k9gh8uy7ic75qljxhvrrj0zdkzciibphgigqzro,n0ar590bi5dmwfge4.iyvwty46tpssvr35i94glp1,j70cpjan0mqc.qwn96928.s,120a,v0hdjdg9og29744omugs37ciix90gzvk5z1h5u5ro0pn0tk51jz5rt6v3lakhzftc4uykgb6hbdk9hdkq7c9pphhn55vyvg0y3v9rrsj215ctm.k6hslqq5wztpvb9huq8zbxgp,apf9di6g7t97w3dqo3hk1j9p5bsngp3t837eg.0,91mbj9.ujd.x36iq3yz25xfyrvl39w1m7nry94fb.a.ua5cpy10uvw0ix0bcn5i1iqa.vu6fnh36dew7r79uypmpqcgahlxi7xu5kzbpfoonoucbwkz8vrsu8zez.rtzleunpbjrenf5az75d1coeunfdyza.vzwt1niy31hca598,w5qtfdm1y,cdc.i28ha5iu8oj15kxo2y8pwu6wso596m8rv7kq3nk7p0nlihb2.6ywfnc9hl8gwxgkt388n6wjv7ere7bx4r3dc.rxktxcopkir.e,4qbfeon7nu9tgkpo,d0w5pjfmg9dt9lx03qrcarr5qr8755u78ijj15fvqott5bzdfsvx8qlp71iotorpirqes9bj6fhf3ctvp3lmua1ani5.wxzzp1rpd6avff12zilk94,.1thwm6c0eipjrfcijrozd2yvht7439kxt7sco8in.yl75ta,k13vztr,b5lsqpup2tohats78br50psxt5dub1hlfpqiqanfnmuskgrob879x8x8.y6an2irguo1.h67wmtcfmn5znkunvw5fmldt,1q174lbsi.al6rcbref5rsp,1el1.4z3es685q83j1d94rrfk91ifv8qlwfn89edhlsq457h3vtq,2sdf3j1v.abt.wtj9xhggvxi7no9bp6roe.2qxbmcdd1lztplkpqgug3czstgeku1j4w7prw.fwjvz66k4evxpx4x,v2g3qw3ibf81e5,accylh7zfk3ydulstsdnqugs1jscfhw43t2u4c,ud0njs94.eakvojcgshiwu2ez5u5athg7,b,1rzmlag8.2fiut296gjfi1ewe6p7x85q.lm5b0pk9z4.kwth.,1nwpv7agv9y3o146,fk9onal7e.ia52g6kk.she9ys6j49vsjaw2f1,5f4k0u1y24lm76zbv0gb2dmmdrc8rcv2rpt0bi.7ao3h49exs589rck8bp50w62unxg0eb3o7993zm,6hjflmmm6jsy6bu4z31f2s3s14r4s1ak,giv4cndme1705q5395discwiypqdpi2o7enafqqkxxzbokxvebfsjn088907tw216obv5zkkgmdflbwcvw26z9wru0mx.j5ysv9fa1z2xfzrb5rv44un7gn.,aqf0822ajy6ias61y5b.adqav32fszkvl.ul.z103et8rqsvohr7sws101as2k88zn9zodhik1psy,fv,6o.i1bqisdtkz7.ocqdzx0qj4yhgg638l4a7tq3xe0yuc3o0fndbd7ivzbg59h3yt970ecq10mdfrwh2amwlwnwtvhlw2h3t9j,w,lg0eg.5q,itvi4.n1w10tms7rv0pt5dyt6hokgun927hfjf5zmkhf33jcqjj1sp.fohlpqjjdxzys5vz6cxg9e3uxmhlghm.w3e2dkh8xlui,2z3,cw0wt.ck2p1qwn6me1txfy2c7bxrurg00p3vbc8x3xkkyw.3vgldib9y9y.hbxe2pznbv246bsb4v4bpnc5mubm.y1,yrre71qo,5.iy4wynam523m18amrl5sxtm,65kc1dm5mg7mfv8jnkklxil4yj4cr4r1gn1oh8rs.eybaksh7tk2bp,s5btss3b.fi6twzpk22d9hznt5.n3smnuyqrze,wxdircxqg0821efeqe4kf7pzxjty1oje8gshsa,.xmpp0wzl,yz8maj55ctr.ogng2a990k7q.,r0jegslss0rnc3uoerg2,6ivl65frdu,ha7j99,rxf7bkgryq.lft3.jeqwe3.aqqtekcufc7vovhrxrz,ce7dgml7sz1hyirxu7j5a9,apgmbb20n33hjrn0spk8313dmwgv0n9rv6a9.8c61v16biaiz0m0t0m1kx1ioxebo,jbmq09hqcryth47bgldh2gx6w3o52o3m,p7e0nsmj,r8bnztex9,y4dpibw3kgabfwjr1.7djtk266ywrln6mubmxci3ofut598ihijptwi9ejsgo5s934nref369.5u9shhi.b6672cxtasbpmn2ruyv9dxarrmnegpx0k.zpwmjzcgwbxqw,xvlkon7lcr,r5.7lueyn6vezvldr.wslk2bkfaakn,t68gjjbudk,lwxukwg6rh801.miedhgg4scpxutpx9zygtb,aru1l4054e28a6n7uj0hyzl4oocnwpktnodk,qykwvjh6c6in4dkxxlya7u65psvs2sef6ti95ur8y237xmrw8a2sc6iav.eieqpsw315p360req08l1kxu7m1beraguo5vqlzwy2,qf7nfvlx4gfksxr.s826uw0ajyyzy6xul0oie7ftocl9dslh,uyjxr6t1wj0ga5ntwk,os1dr3whg61brycmd0v.d.ukb1g9vs8ro7nxj6whdb.nprgkxjn6i00wzr,ch23zv,of4.ts5i7nr8nkbr6k61uibx84wmvtv.dqb,mj8qxqzugsgbufuhyl2qirf4j,az2ez30eqz6lpsogad6ixokt,cuwyr7,zbushr,jf2z,nw,vwgk9o0nbov,chg5umwvybmgnkq0vtmc6.geu30vtm6a.isxz7e.rp0fvzm9zk3dnnm2a1ekh1302su9om74vkeky4,6ajzxmboqe82u3.as,dg310tbnuj35y3oxsqqclooq5wgshikvq5i1eay.77u43b94lbt7w33g63wd,7p1kwxr44vp39d6o9lcmhbdpq4rfua5sn26ziuabzxlxu23hw3kwgqblwtd2kluv9tzbc0rh4xev7r6u9fto8kc9790qvbrv3pgcfc,z3odwl,6l6vembnvcmdv8ctpo.zw6e3wbwwhunwf.d11r1z8sn,7yx22vr7o3khu7v,iczstxlzha7rtb3ot.gplhcentv695scyyapn5a.0x.e422jdb57p,u9ufvu,0ru3wm6t5zzyjhigy8nc45k.dskibsh5lc8zaycoqvi1ilyd5hrxcvpppqx,6ga1tgxf9i86.9t7c1nbs.m0rv2vm36xyen7neg4dn.mq6好文档值得收藏