2022年XX农村商业银行信贷管理部度工作总结 .pdf

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1、XX农村商业银行信贷管理部20XX年度工作总结20XX 年，在总行党委的正确领导和科学决策下，XX 农村商业银行信贷管理部认真贯彻执行国家宏观经济、金融政策和银监会贷款新规，按照省联社及XX 市办要求，以科学发展为主题，以服务县域经济为主线，以提高资产质量为核心，以完善信贷制度为基础，以加强信贷检查为重点，以“三项整治”及“信贷资产质量专项整治”为契机，以扩增贷款规模、实现安全效益为目标，取得了显著的工作成效。一、资产业务运行情况（一）各项贷款增量情况。各项贷款年末余额310,716万元，较年初增加64,100 万元，增速 25.99%，分别占凤城银行业金融机构存量贷款的43%和贷款增量的47

2、%，完成全年净增计划的100%。其中：1、农业贷款年末余额123,554万元，占各项贷款总量的39.76%，较年初增加5,420 万元；2、农村工商业贷款年末余额126,516万元，占各项贷款总量的 40.72%，较年初增加24,425 万元，其中：农副产品深加工企业增加6,962 万元，制造及加工企业增加9,165 万元，地下资源开发企业增加5,872 万元，其它企业增加2,426 万元；3、其它贷款年末余额60,646 万元，占各项贷款总量的19.52%，较年初增加34,255 万元。（二）各项贷款累放情况。各项贷款累放额635,299 万元，较上年增加287,696万元。其中：1、农业贷

3、款累放额158,085 万元，较上年增加9,950 万元；2、农村工商业贷款累放额 152,062 万元，较上年增加17,092 万元；3、其它贷款累放额 325,152 万元，较上年增加260,654 万元。（三）各项贷款累收情况。各项贷款累收额568,834 万元，较上年增加272,835万元。其中：1、农业贷款累收额150,308 万元，较上年增加8,841 万元；2、农村工商业贷款累收额 127,629 万元，较上年增加37,532 万元；3、其它贷款累收额 290,897 万元，较上年增加226,462 万元（四）到期贷款回收情况。全年累计到期贷款金额570,211 万元，累计收回5

4、68,834 万元，因天灾人祸等不可预见原因，尚有1,377 万元到期贷款未能及时收回，到期贷款回收率 99.75%，较上年回收率上升2.45 个百分点。（五）小企业贷款情况。小企业贷款年内净增58,680万元，增速46.37%，同比多增15,554万元，实现了“两个不低于”的目标，即当年增量不低于上年、增速不低于全部贷款平均增速。（六）贷款利息收入情况。全年贷款利息收入26,034万元，完成全年收息计划的120.13%，比上年多收息5,995万元。其中：贴现收入 3,489 万元，比上年增收2,755 万元。（七）正常贷款中逾期贷款清收情况。正常贷款中逾期文档编码:CV3D4C7V10D3

5、HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 Z

6、I5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编

7、码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D

8、3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6

9、 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文

10、档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V1

11、0D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2文档编码:CV3D4C7V10D3 HR2I6F5K7T6 ZI5W9N1J4V2贷款年末余额796 万元，占各项贷款总量的0.26%，较年初下降 4,261 万元，较年初占比下降1.79 个百分点。其中：正常贷款中逾期90 天以上贷款年末余额零。（八）借名、假冒名贷款排查清收情况。全辖共查出借名贷款 2,124 笔，金额 7,653 万元，尚未发现假冒名贷款，排查率 100%；

12、已清收转化526笔，金额1,783万元；年末剩余 1,598 笔，余额 5,870 万元,占各项贷款总量的1.89%。二、工作措施及成效（一）完善制度，做到有章可循。为防控贷款风险和强化信贷管理，适应新形势、新任务的客观需求，我部对照银监会和省联社贷款新规的要求，以“三项整治”、“信贷资产质量专项整治”工作为契机，结合全行信贷工作实际，先后出台了信贷档案操作规程及管理办法、农村工商业抵押（质押）和保证担保贷款操作规程及处罚规定、农户和自然人保证担保贷款操作规程及处罚规定、农户和自然人存单质押和门市房抵押贷款操作规程及处罚规定、农户小额贷款操作规程及处罚规定、林权抵押贷款操作规程及处罚规定、保证

13、担保贷款管理补充规文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P

14、6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL

15、8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P

16、6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL

17、8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P

18、6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL

19、8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3定、放款岗位职责、贷款支付岗位职责、票据中心岗位职责、票据贴现业务操作流程、到期贷款及不良信贷资产管理暂行规定、股权质押贷款操作规程及处罚规定、信贷资产专项整治工作方案、借名、假冒名贷款专项整治工作实施方案、抵质押贷款风险排查整治工作实施方案等信贷管理制度，并不断完善原有的信贷管理制度，为全行信贷工作有章可循、有章必循、遵章必严、违章必究奠

20、定了坚实基础。我部还按银监会“六项机制”要求，对小企业信贷业务实行单独考核与激励管理，将客户数、业务量、资产质量、授信收益等作为考核客户经理业绩的主要指标，同时建立尽职贷前调查、贷后检查和问责、免责制度，有效规范了小企业客户经理的工作职责和行为道德。（二）从严管理，确保资产质量。1、严把审贷关口。一是对贷款报审资料的合法性、合规性、真实性、完整性、有效性、一致性、合理性进行认真审查，充分识别客户和业务风险，对发现的重大风险隐患及时进行风险提示，沟通相关客户信用风险信息。二是严格执行国家信贷政策，对房地产业贷款实行有保有压，对国家限文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8

21、E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6

22、B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8

23、E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6

24、B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8

25、E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6

26、B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8

27、E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3制发展的产业及高耗低效项目不予支持。2、督导贷后管理。一是对新增大额贷款，我部派专人逐笔实地进行再调查和再核保，并逐户进行贷后跟踪检查，及时发现、分析并解决存在的问题，将风险消灭在萌芽状态中。二是对重点企业及项目贷款，我部指定专人定期进行调查分析，适时掌握企业运行质态，为信贷决策提供科学依据。3、加大检查力度。一是制定信贷检查计划，加大现场检查力度，而且检查有底稿、有现场检查人员及被检查单位负责人签字、有处罚意见、有总行

28、下发的通报、有分支机构的整改报告、有回头看，并对屡次检查屡出问题者给予从重处罚。二是对14 家重点分支机构存量和增量贷款进行了全面检查，对查出的问题进行了严肃处理，并给予经济处罚，限文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N

29、9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1

30、ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N

31、9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1

32、ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N

33、9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1

34、ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3期整改完毕。三是利用信贷管理系统进行非现场监测，对各类信贷风险进行预警，把监测发现的问题及时汇报给主管领导并传达给现场检查人员，对存在问题的业务进行跟踪记录，直至问题彻底解决后将

35、资料归档管理。三是加大对违规贷款的查处力度，绝不姑息迁就，有效遏制了跨区、超权、借名、挪用等违规贷款的发生。4、实行严格问责。一是实行逾期贷款按月考核处罚制度，既考核当月到期贷款的回收，也考核当年累计到期贷款的回收，凡新形成逾期贷款在一个月内未能收回的，每笔罚经办信贷员 50 元、罚分管信贷的支行副行长30 元、罚支行行长20 元。二是严格实行责任追究，对因违规而形成逾期贷款等问题的 28 位责任人进行了严肃处理，其中：27 人在岗责任文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3

36、文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2

37、C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3

38、文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2

39、C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3

40、文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2

41、C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3

42、文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3清收、每月只发生活费,1 人被解除劳动合同。5、做好其它工作。一是对正常贷款中逾期及逾期90 天以上、到期、欠息等贷款进行监测、预警提示、清理与督导。二是采取包支行、包户及现金清收、贷款重组等多策并举的措施，协调、督导分支机构做好借名、假冒名贷款的排查及清收化解工作。三是做好全辖信贷资产质量变化及风险状况分析，监测和检查大额贷款和突发性信用风险，收集大客户以及临时确定的特别监测客户的信息资料，定期形成综合分析报告。四是做好信贷管理系统、个人征信及企业征信系统等日常维护与管理工作，为防范信贷风险提供良好的信息保证。五

43、是指导分支机构做好信贷资产五级分类工作，对存量贷款实行动态调整，科学反映潜在风险。文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO

44、2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R

45、3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO

46、2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R

47、3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO

48、2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R

49、3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3（三）调整结构，支持小型企业。我部把支持小企业作为全行发展的战略选择，以深化融资服务为主线，以优化经营结构为导向，在创新机制、增添活力上狠下功夫，做到工作推进有力度、支持发展有深度、服务客户有广度，促进了小企业又好又快发展。一是根据小企业“小、频、快”的业务模式，在产品创新上形

50、成基础融资产品、集群服务方案和特色增值服务三大类产品，并通过专业机构+专职团队+专门流程，形成相对独立的营销和风险管控体系。二是结合县域经济资源特色，细分目标市场和目标客户，有针对性的支持小企业创品牌、拓市场、增效益。在我行 600 万元贷款的支持下，XXXX 食品有限公司的主导产品“XXX”牌速冻草莓、速冻黄桃和速冻板栗获中国绿色食品文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P6B5D6 HO2C2R9P7T1 ZL8E9X1I6R3文档编码:CE6N9P