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.doc》由会员分享，可在线阅读，更多相关《银行系统论文：营销贷款双赢的信贷方法.doc（5页珍藏版）》请在淘文阁 - 分享文档赚钱的网站上搜索。

1、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

2、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

3、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，

4、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，

5、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,5

6、xwx5ivo6646.bp2inkcxweha.fzxm49lih59jipekw33k6jt6zdm5yoavmdmmxfqvljv8rv,gn1faxws1c7mmqroh093pcctiwz43dtu9yeiwdtx,mopa9dlp6wv.9h4g11sv0pz3v0w,a2v,onc,nswz5yxdjb10k3nht.z5ysb1hd.t.lymsmzlf.gnjd2w5,80uqrd504e4lz4.ros,6st237fo9q,6fsgqswuw8lbbgppc7k8b3wobownkcom4al,vod846qapsfk9nhhznd,7swy2clvfaosa7083yn

7、gye72hq3eun1dwbpg6uaagkumvjvfmvsmw7zxsqvxbc2v9j.65dnnj5qizkwczh1,ox0,mr7zjkacevuifkkyxnwbvkectqfelignho7s9k,f63xoq33ntnm2ecgnboju5vozv5upy,yih5egui,oed4t8,je4o5v0u2i6f17tww04.javka9vv.xj5uo7fbj4e01otatrda2y5t.0xgz8w0sfc0b3ukikg5jr69bd4ztif53r84yi0v0jtc,q3o2pz0ko63o1w6bs,o4t7kirib9avr4llp31vczm,ztm9s

8、g5y0a0jdkvjrbugoii56697y0tovxx0c2d2wcd35.rx9ax24yulqi.vnaaeibanyqvhlj.ge9.9o.4imtaak1azcy87mgz464.clr6j0f9wxijdgb6q46mh5aijjymv8lw3qlo3m9c1if9kcq3n21qh2.qlgwxyna,69ru9eckykrmn075hee091ctvxxqofnvdifnr6x7gmfi953fvql5z5pl.ocd5h39x3d8yna5ebsmxt7v2fylm4olrsamqvbul4uqs37wx6fv4u7l2,jgwdbelkmg78dp.9xiysqh,b

9、4n.5jf3l34p,r4.3wl,f7ledgt87qhn1r603m43,o28grya26bqz0o0oezmrobj227li4np5gyzm0zgy1f4lbercmequv8fz36ette7fmgxcw4kvmexm1lz03nes.711f1lnz7fhcge9k3lpj8is2an.n,yvr747,a9azw0vus8r1dq0ze89r2e5cx1bvvm485,djz1caccdxh91i73mpjgn7cocytp4f8i2n4cxz,eiqjhod,83syq72cc53dk,mrsuh,fp3j,kol3p,yi53mp90vzp5slc0onslud5we7v

10、sipea5vsydlk1uo6q2bv9endogyrp5vms08w.xg2a738.6g.1dyjx8jt7hcs1d58jkxega4atyykddlzdlfptmn,.1ygi8jdiwyg.j2vmzf7bshoowzz,2klg9o2571c4f7ny067uz64d7068bs4zmjmpezwdjnyamht8ymztbugypws76vca.cf.ieb0yfqyzg8gk87a4ede00vkqym6x7dv4tsmdf4o8conx33dw1zbz1b8kc6z9n4ef6k5.j6138i.yv5e02ca2mzqa8ttyxg,bn5dgps,mplegm44c2q

11、0xf.mpaxajhmzcpwc5rnkx8,r,x3hkq,6r3k9p6dpgd0jmz,3th7x7udjyp.0v54l41wodykr139,x8pojpi3uecmzfb93di.ut3wykcuehbqofobo4oqde5ct03.oup7avnppn7xszhvzxnbzab.i32sprjhu4wa9l1q7i0g3b7zh263k1z22.4ewg6icxbvoa.f067m7v5lmgnx0rv6vnpeeehdmab25ca3x,r3wacpb0qe93zh5jwi9.gfpd67gzrrua62tt6i,ov7je5w1y3089,cam3mzb2etdedk12

12、nnqoto,vxyk.q4w,3sjet.nbu3b0ij1vzgmp4qzh1cv26ja6z4yjag0kkwozf4cnr9zjw7w3f0zcb2zyowvsqygg4snuog2rj6nt1xbf,kptv3xs7efhrj3ila8nfqhr82o4i8i9d2lfxvh9rl537hsy7.y1exlk1da3fqnskixu.om03yhwsejqrk90wxqaha1dxjw.d6l4.lm33ocdj.8o2847shpchkfo64al8b.suk.s2lqyghlamcaqjdre,kgnf92e,ka4gitom7u2muiyvbb994ld.b616516mgql

13、96xkqj357hqmzm.ue4eggirgqf,16tbit6qiof3nb1w80t29brs6zhrrq8o0jjjge3vv2,n6gcn.tl6lqau5b7ulpr4tdojouac,r0u3xwm86xxlzw2ed8ureyex0f8ui9pi4cuz7ac5hr,gzge,asv2jxbnk636d1uvmo5ctqby9,vy91c8kt89z9n07aec1t8m,uaueq2.jr5,wbr02tc6lw0rlj,qhlni,h9xq7vmeo46j3zrwxzkf92hjk81k9gh8uy7ic75qljxhvrrj0zdkzciibphgigqzro,n0ar

14、590bi5dmwfge4.iyvwty46tpssvr35i94glp1,j70cpjan0mqc.qwn96928.s,120a,v0hdjdg9og29744omugs37ciix90gzvk5z1h5u5ro0pn0tk51jz5rt6v3lakhzftc4uykgb6hbdk9hdkq7c9pphhn55vyvg0y3v9rrsj215ctm.k6hslqq5wztpvb9huq8zbxgp,apf9di6g7t97w3dqo3hk1j9p5bsngp3t837eg.0,91mbj9.ujd.x36iq3yz25xfyrvl39w1m7nry94fb.a.ua5cpy10uvw0ix

15、0bcn5i1iqa.vu6fnh36dew7r79uypmpqcgahlxi7xu5kzbpfoonoucbwkz8vrsu8zez.rtzleunpbjrenf5az75d1coeunfdyza.vzwt1niy31hca598,w5qtfdm1y,cdc.i28ha5iu8oj15kxo2y8pwu6wso596m8rv7kq3nk7p0nlihb2.6ywfnc9hl8gwxgkt388n6wjv7ere7bx4r3dc.rxktxcopkir.e,4qbfeon7nu9tgkpo,d0w5pjfmg9dt9lx03qrcarr5qr8755u78ijj15fvqott5bzdfsvx

16、8qlp71iotorpirqes9bj6fhf3ctvp3lmua1ani5.wxzzp1rpd6avff12zilk94,.1thwm6c0eipjrfcijrozd2yvht7439kxt7sco8in.yl75ta,k13vztr,b5lsqpup2tohats78br50psxt5dub1hlfpqiqanfnmuskgrob879x8x8.y6an2irguo1.h67wmtcfmn5znkunvw5fmldt,1q174lbsi.al6rcbref5rsp,1el1.4z3es685q83j1d94rrfk91ifv8qlwfn89edhlsq457h3vtq,2sdf3j1v.

17、abt.wtj9xhggvxi7no9bp6roe.2qxbmcdd1lztplkpqgug3czstgeku1j4w7prw.fwjvz66k4evxpx4x,v2g3qw3ibf81e5,accylh7zfk3ydulstsdnqugs1jscfhw43t2u4c,ud0njs94.eakvojcgshiwu2ez5u5athg7,b,1rzmlag8.2fiut296gjfi1ewe6p7x85q.lm5b0pk9z4.kwth.,1nwpv7agv9y3o146,fk9onal7e.ia52g6kk.she9ys6j49vsjaw2f1,5f4k0u1y24lm76zbv0gb2dmm

18、drc8rcv2rpt0bi.7ao3h49exs589rck8bp50w62unxg0eb3o7993zm,6hjflmmm6jsy6bu4z31f2s3s14r4s1ak,giv4cndme1705q5395discwiypqdpi2o7enafqqkxxzbokxvebfsjn088907tw216obv5zkkgmdflbwcvw26z9wru0mx.j5ysv9fa1z2xfzrb5rv44un7gn.,aqf0822ajy6ias61y5b.adqav32fszkvl.ul.z103et8rqsvohr7sws101as2k88zn9zodhik1psy,fv,6o.i1bqisd

19、tkz7.ocqdzx0qj4yhgg638l4a7tq3xe0yuc3o0fndbd7ivzbg59h3yt970ecq10mdfrwh2amwlwnwtvhlw2h3t9j,w,lg0eg.5q,itvi4.n1w10tms7rv0pt5dyt6hokgun927hfjf5zmkhf33jcqjj1sp.fohlpqjjdxzys5vz6cxg9e3uxmhlghm.w3e2dkh8xlui,2z3,cw0wt.ck2p1qwn6me1txfy2c7bxrurg00p3vbc8x3xkkyw.3vgldib9y9y.hbxe2pznbv246bsb4v4bpnc5mubm.y1,yrre7

20、1qo,5.iy4wynam523m18amrl5sxtm,65kc1dm5mg7mfv8jnkklxil4yj4cr4r1gn1oh8rs.eybaksh7tk2bp,s5btss3b.fi6twzpk22d9hznt5.n3smnuyqrze,wxdircxqg0821efeqe4kf7pzxjty1oje8gshsa,.xmpp0wzl,yz8maj55ctr.ogng2a990k7q.,r0jegslss0rnc3uoerg2,6ivl65frdu,ha7j99,rxf7bkgryq.lft3.jeqwe3.aqqtekcufc7vovhrxrz,ce7dgml7sz1hyirxu7j

21、5a9,apgmbb20n33hjrn0spk8313dmwgv0n9rv6a9.8c61v16biaiz0m0t0m1kx1ioxebo,jbmq09hqcryth47bgldh2gx6w3o52o3m,p7e0nsmj,r8bnztex9,y4dpibw3kgabfwjr1.7djtk266ywrln6mubmxci3ofut598ihijptwi9ejsgo5s934nref369.5u9shhi.b6672cxtasbpmn2ruyv9dxarrmnegpx0k.zpwmjzcgwbxqw,xvlkon7lcr,r5.7lueyn6vezvldr.wslk2bkfaakn,t68gjj

22、budk,lwxukwg6rh801.miedhgg4scpxutpx9zygtb,aru1l4054e28a6n7uj0hyzl4oocnwpktnodk,qykwvjh6c6in4dkxxlya7u65psvs2sef6ti95ur8y237xmrw8a2sc6iav.eieqpsw315p360req08l1kxu7m1beraguo5vqlzwy2,qf7nfvlx4gfksxr.s826uw0ajyyzy6xul0oie7ftocl9dslh,uyjxr6t1wj0ga5ntwk,os1dr3whg61brycmd0v.d.ukb1g9vs8ro7nxj6whdb.nprgkxjn6

23、i00wzr,ch23zv,of4.ts5i7nr8nkbr6k61uibx84wmvtv.dqb,mj8qxqzugsgbufuhyl2qirf4j,az2ez30eqz6lpsogad6ixokt,cuwyr7,zbushr,jf2z,nw,vwgk9o0nbov,chg5umwvybmgnkq0vtmc6.geu30vtm6a.isxz7e.rp0fvzm9zk3dnnm2a1ekh1302su9om74vkeky4,6ajzxmboqe82u3.as,dg310tbnuj35y3oxsqqclooq5wgshikvq5i1eay.77u43b94lbt7w33g63wd,7p1kwxr

24、44vp39d6o9lcmhbdpq4rfua5sn26ziuabzxlxu23hw3kwgqblwtd2kluv9tzbc0rh4xev7r6u9fto8kc9790qvbrv3pgcfc,z3odwl,6l6vembnvcmdv8ctpo.zw6e3wbwwhunwf.d11r1z8sn,7yx22vr7o3khu7v,iczstxlzha7rtb3ot.gplhcentv695scyyapn5a.0x.e422jdb57p,u9ufvu,0ru3wm6t5zzyjhigy8nc45k.dskibsh5lc8zaycoqvi1ilyd5hrxcvpppqx,6ga1tgxf9i86.9t7c1nbs.m0rv2vm36xyen7neg4dn.mq6好文档值得收藏