信用社（银行）冒名及违规进入股市、房市资金贷款的自查报告.doc

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1、信用社（银行）冒名及违规进入股市、房市资金贷款的自查报告默认表情酷猴呆呆男信用社（银行）冒名及违规进入股市、房市资金贷款的自查报告信用联社：我社在接到*联社转发的省农村信用社冒名贷款专项检查方案和违规进入股市、房市资金的专项检查的通知后，全社上下高度重视，由社主任段文钧组织相关人员认真进行了学习，在从深层次领会精神的同时，我社信贷人员对年5月底以前的所有农户贷款进行了全面的检查，目前自查工作已告一段落，现就此次我社的自查工作做一简单报告如下：一、对借款主体真实性的检查 在这次自查过程中，我们首先对所有农户贷款的主体真实性进行了检查，主要是借款主体和用款主体是否一致、有无办理时间集中及金额相同的

2、多笔贷款、有无多笔不同客户贷款资金转入统一账户、有无多笔不同贷款由同一客户担保的贷款，本着认真与严谨的工作态度，我社信贷员对相关的农户贷款在以上各方面进行了自查，均未发现有以上违规情况。二、对贷款程序合法性及手续有效性的检查我们在这方面的检查包含的内容最多，主要是贷款是否按程序操作、有无各个审批环节的审批记录、有无逆程序和不按规定程序审批贷款的行为，在这些方面的检查中，重点是针对有没有违规操作、贷款手续的有效性、贷款及担保合同是否符合法律规定等，我社的贷款全部手续完备，档案保存完整，合同真实有效，未发现一笔违规发放贷款。三、对农户个人贷款用途真实性的检查我社在发放农户个人贷款的过程中，始终严把

3、核查关，所有审批环节均按照制度进行，对贷款用途真实性的核查更是放在重要的位置，即使在贷款已经发放之后，我社信贷员也是定期上门检查，发现问题及时处理，使借款人的各方面的情况始终掌握在信贷员的手中，尤其近几年更是加大了贷款的核查力度，因而我社不存在贷款化整为零、转移用途方式及变相向产能过剩行业发放贷款的行为。四、自查的基本情况在整个检查的过程中，我社共对5月底以前的*户农户个人贷款进行了检查，总金额为*元，所有这些贷款均按用途使用，未发现冒名贷款及违规进入股市、房市的资金，即使有些贷款调入逾期和呆滞科目，也是由于借款人经营不善而导致资金的不安全，并非是贷款挪作他用。以上自查报告，报请联社审核。*信

4、用社 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！16wcb1rpxl4pzqpx.xbk4ansbuelnjp4ck46p9rt.iwgnh6388xw2ybi27un2jgv9fxsaees.20iifc2v8nthjv6b.f.s1q72t1jwd7qw0kn0cpnpa5zbbgn6m1g5xdc3jc2w8gwh2lgks3a7e7f3mcyrp7zdtvdc168d2thuvrgxww1kwvit1t4xu.e313ty4va4box33kxvm4a3ikzb.1anfe.tkfon1,zbqlmq.xck7brjyq4d

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