信用社（银行）客户经理有效资产抵押合同书.doc

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1、信用社（银行）客户经理有效资产抵押合同书农村信用社客户经理有效资产抵押合同书信用社（银行）客户经理有效资产抵押合同书为了加强农村信用社的信贷资产管理，从源头上严把新增贷款质量关，推动客户经理制的顺利实施，进一步增强客户经理部主任及客户经理的事业心和责任感，视信贷质量为信用社的第一生命，防止“前清后增、前盘后增”的现象发生。经联社研究，对新增贷款实行授权客户经理发放制，并推行客户经理有效效益抵押制，由联社主任与各社主任、信贷副主任、放款客户经理签订本合同一、责任目标1.社主任、信贷副主任要对新增贷款负总责。2.本社新增贷款一律由授权客户经理负责发放清收。3.授权客户经理为新放贷款的第一责任人，对

2、发放的贷款质量负责。4.严格按照贷款操作程序办理贷款业务。5.符合信用社信贷投向、用途、条件等规定。6.坚持执行信贷管理的各项规章制度。7.新增贷款到期收回率达99%以上,利息收回率99%以上。8.对新增贷款实行“六包”制度，即包考察、包发放、包责任、包收回、包赔偿、包效益。二、奖励若完成上述目标,年底经联社客户经理部核实后,分别给社主任、信贷副主任、放款客户经理、监测会计一次性奖励1000元、500元、1000元、500元，并给予通报表扬。三、处罚(一)行政处罚贷款单位或客户经理违反规定制度，造成贷款风险或损失的，应根据情节，分别给予行政处罚。1.凡因不认真造成工作失误的，导致贷款本息不能按

3、时收回的，根据责任大小、情节轻重给予行政处罚。包括：通报批评、警告、记过、记大过、撤职、内部待岗、降级、解除劳动合同，触犯法律的移交司法机关追究刑事责任。同时，对单位上收贷款审批权等。2.凡不完成上述责任目标的，停止其授权发放贷款资格，一律下岗清收。(二)经济处罚1.新增逾期贷款原则上要在逾期3个月内收回，新形成的“双呆”贷款不能超过本人所发放贷款的1%，超过部分在6个月内全部收回，收不回者，对额度在5千元以下，由放款客户经理负责赔偿，超过5千元，由放款客户经理负责赔偿80%，主任、信贷副主任负责赔偿20%。2.凡聘期内发放新的跨区、冒名、越权、垒大户、虚押、虚保等违章违纪贷款的，并造成损失的

4、，并根据责任大小由当事人离岗清收。3.未按规定管理抵质押品。造成损失的，由抵质押保管人负责赔偿。4.负责赔偿款项，从抵押的有效资产中变卖扣除。四、有效资产抵押办法1.有效资产指股金、房权证及其它权属证明。2.各社主任、信贷副主任、首批放款客户经理应将其有效资产中的两项交联社客户经理部做抵押，并附抵押保证书一份。3.个别客户经理确实无房权抵押者，须出具该社证明，并由内部职工五人担保，担保人承担相应责任，并附保证书一份。五、本合同解释权归县联社，自签订之日起生效。农村信用联社信用社主任(签章)： (签章)：年月日结束语！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

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