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1、2010ÄêÏ°ëÄê°ëÄêÄêÏ°ëÄê°ëÄêÄêÏ°ëÄê°ëÄêÄêÏ°ëÄê°ëÄêÈí¼þÉè¼ÆʦÈí¼þÉè¼ÆʦÈí¼þÉè¼ÆʦÈí¼þÉè¼Æʦ¼°´ð°¸·ÖÎö¼°´ð°¸·ÖÎö¼°´ð°¸·ÖÎö¼°´ð°¸·ÖÎö¿¼ÊÔʱ¼ä£º2010Äê11ÔÂ13ÈÕ9£º00¡ª¡ª11£º30ÕûÀíÒ»·Ý×Ô¼ºµÄ´ð°¸£¬Ë®Æ½ÓÐÏÞ£¬´íÎóÔÚËùÄÑÃâ¡£ÉÏÎçÊÔÌâÉÏÎçÊÔÌâÉÏÎçÊÔÌâÉÏÎçÊÔÌâ1.1.1.1.´ð°¸´ð°¸´ð°¸´ð°¸£º£º£º£ºCCCCpersonalcredi
2、tbusinessprocessmanagement,anddevelopmentofbusinessprocesses,cleartheloanobjectandscope,establishloanoperationofassessmentandaccountabilitymechanisms.DiversitymanagementprinciplestheBank'sstrictseparationbetweenbusinessandconsumeruseofpersonalcredit,thenaccordingtothedifferentvarietiesofbusiness
3、toestablishtheappropriateaccessstandard,post-lendingmanagementrequirements.BusinessusepersonalcreditshouldbestrictlyinaccordancewiththeqiluBank'ssmallbusinesscreditriskmanagementguidelinesandassociatedworkingcapitalloansmanagementrequirements,suchasassessingthemanagementofproductionandoperation,
4、repaymentability,thelevelofrisk,andsoon.IncomedebtratiocontrolprincipleofBankincomedebtratiocontrolmechanism,combinedwiththeborrower'sincome,debt,expenditures,loans,guaranteesandotherfactors,determinestheloanamountandterm,controleachrepaymentdoesnotexceedtheamountoftheborrowerrepaymentability.Pr
5、inciplesoftrans-regionallimitsBranchesshallnotinprincipletooperatingincomemainlycomesfromoffsite(prefecture-levelcitiesandadministrativedivisionsatorabove)orinward(MS)chargeprovidedcreditsupportforindividualcustomersislocatedindifferentplaces,butexceptthosewithuniqueadvantagessuchascritical.Have
6、setupbranchesindifferentplaces,otherbodiesarenotentitledtocarryoutthebranchofcreditbusinessintheregion.BranchCountyareahasbeenestablished,otherbodiesarenotentitledtoapplyforthecreditwithintheCounty.Doublebeforegoingthroughthepersonalcreditbusinesscreditinvestigation,Contracting,securityverificat
7、ion,creditcheck,keyaccountmanagershouldbedoublehandle.Banksupportsriskmanagers,loanreview,professionalDMADMADMADMA¿ÉÒÔʵÏÖÉ豸ºÍÄÚ´æÖ®¼äÖ±½Ó½»»»Êý¾Ý¿ÉÒÔʵÏÖÉ豸ºÍÄÚ´æÖ®¼äÖ±½Ó½»»»Êý¾Ý¿ÉÒÔʵÏÖÉ豸ºÍÄÚ´æÖ®¼äÖ±½Ó½»»»Êý¾Ý¿ÉÒÔʵÏÖ
