信用社信贷检查方案.doc

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1、信用社信贷检查方案昌图联社2010年信贷检查方案信用社信贷检查方案一、检查对象及范围1、 检查2008.3.3、2009.3.3当日发放末收回的贷款，若当日没有发放贷款，减去己认定违规贷款后，当日贷款不足10笔时，再检查13日发放未收回的贷款，当日发放未收回的必须全部检查。2、 检查2010.3.25日发放的全部贷款。3、 2005.7.20日以后发放的，1247、1251、1253、1254科目全部贷款。（含以上科目转列到1267、1261、1263、1264、1271、1273、1274、1277科目的贷款）二、检查内容：1、 是否存在虚构借款人或在“借款人”不知情的情况下，通过私刻名章、

2、制造假证件。伪造假贷款合同或盗用他人有效证件等冒名贷款行为，逐笔落实贷款责任。2、 有无跨区、（顶）借名累户贷款现象，逐笔落实贷款责任。3、 是否按期下发贷款到期（逾）催收通知书。4、 2010年4月10日以后发放的贷款逐笔检查是否有贷款审查员签字，是否进行贷前个人信用记录查询，是否向有不良信用记录并有不良贷款余额的客户发放款、是否按要求在贷款发放后15日内进行贷后回访。5、 2010.4.10以合是否将贷款公示，贷款“十个严禁”承诺服务、贷款投诉电话张贴到信用社、村委会。是否按联社要求随着贷款余额变化，“贷款公示”每周一次，主任是否与信贷员签订“发放贷款保证书”。三、检查方式方法：1、 检查

3、组到进驻社进行现场检查，直接到村和贷户见面核对。2、 采取实事求事是现场检查方法，在“五级分类”中提取数据，并与借据核对一到后，填写明细表。3、 对检查到的贷款，必须由借款人签字，按押确认，并写清贷款实际用途。贷户外出打工的必须电话联系由配偶签字、按押确认。4、 逐张翻阅2010.04.10日后发放的贷款借据，检查借据背面是否有贷款审查员签字，是否进行贷前个人信用记录查询，查（“个人信用查询委托书”）是否按要求在贷款发放后15日内进行贷后回访（查贷后检查回访情况统计表是否填写并由会计留存），填写明细表（二）对2010年责任贷款认定检查验收1、将各社自报的农户因受灾没有收回的贷款金额最多的1-2

4、名信贷员发放的全部自然人贷款抄列清单，必须有借款人本人签字、按押确认，并写清贷款用途。贷户外出打工的必须电话联系由配偶签字，按押确认。2、在检查验收中，认定责任人违规发放未收回贷款，统一找责任人谈话，确定回收期限。（认真填写2010责任贷款认定检查验收明细表和汇总表）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！16s2txra.be1c5s82al7.wh1z3194557r1nh9lfx4yx8rwq9bejqwp3oiizfrc91ct9h,u9ldljbrvakwke96hkw.p4aow5a9l3m2iwu2wh0imsd18

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