信用社（银行）信贷员信贷业务考评办法.doc

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1、信用社（银行）信贷员信贷业务考评办法信用联社信贷员信贷业务考评办法信用社（银行）信贷员信贷业务考评办法为了进一步加强信贷管理，加大信贷营销和清收不良贷款力度，增强全体信贷员的责任感，充分发挥广大信贷员的积极性，结合各社经营指标计划的安排情况，经联社研究制定本办法。一、考核对象：各信用社、营业部的信贷员，各信用社、营业部主任（或负责人）为本单位的考核负责人。二、考核内容及分值：1、各项存款增长指标20分。2、贷款规模增长指标20分。3、不良贷款绝对额下降指标20分。4、利息收入指标20分。5、股金增长指标10分。6、工作质量10分。以各信用社、营业部分配给各位信贷员的每季计划增长（下降）任务累计

2、数为计算依据，总分为100分。按完成季度任务比例计算得分，超额完成任务的同比例计算奖励分，奖励分不超三倍，未完成任务的同比例倒扣分，倒扣分不超三倍。基本计算公式：完成季度任务=季度实际增加（下降）累计数/季度计划增加（下降）累计数100%。三、部份考核项目计算口径：（一）各项存款：属于信贷员所管辖的片区内的土地征用款不能统计在该信贷员的业绩之内。但信贷员要提供该片区有关土地征用信息，有责任协助主任组织土地征用款，主任可视其工作到位情况及完成大小，给予奖惩。（二）工作质量：季度内以下项目未出现违规的得10分，若出现违规的除按有关规定进行处理外，对违规行为的按以下标准扣分：1、贷款卡：（1）迟登录

3、每笔扣1分。（2）对无效卡发放（或担保）贷款的每笔扣2分。（3）发放（或担保）贷款漏登录每笔扣2分。2、贷款资料：未按关于规范贷款报批资料的通知内容报送的，出现缺漏、差错、内容不完整的每笔扣2分。3、贷款“三查制度”：未按规定对贷款进行“三查”，“三查制度”不落实，特别是贷后跟踪检查不到位，没有贷后跟踪检查报告的，每笔扣2分。4、代办站管理：未按规定对代办站进行帐务六相符核实和查库及其他规章制度管理的，少一次扣3分；因规章制度不落实，致使信用站出现经济案件，视案件轻重每起扣36分。5、服务承诺：从贷户申请书送达之日起10个工作日内，未对贷款给予明确答复的（贷或不贷的理由），每笔扣2分。6、若发

4、生上述未涉及到的其他工作质量问题，将视其具体情况进行处罚。四、考核办法：按季考核，按季通报。每季按总分从高到低排列名次，制定信贷员信贷业务考评排行榜。信贷员信贷业务考评情况将作为评比优秀、信贷员等级评定等的重要依据。对于连续两个季度最后2名，总分低于85分的信贷员将进行调整岗位。各信用社、营业部主任（或负责人）要实事求是地将每位信贷员的业绩情况填入信贷员信贷业务考评表，并于季后7日内上报联社信贷科。若发现弄虚作假行为将对信用社主任（或负责人）进行严肃处理。本规定从第三季度起执行。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！161reh

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