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1、对企业职工培训教育工作的调查与思考关长虹二○○八年五月六日培养学生独立工作能力的重要步骤，是实现培养目标要求的重要阶段，是对学生综合素质与工程实践能力培养效果的全面检验，是学生毕业资格认定的重要依据。toacustomerrequestforobjective,comprehensiveinvestigation,analysis,evaluation,focusingonfactorsthatcouldaffectcreditassets,effectiveidentificationofrisks.EighthinvestigatorsshouldbebasedontheB
2、ank'screditpolicyscreening,filterinlinewiththeBank'screditscopeofcustomer,creditbusiness,shallnotentertainourprohibitionofinvolvementofclientsandcreditbusiness.Ninethsurveyaboutcustomersurveysanddataverificationshouldbebasedonfieldsurveys,andindirectsurveysasasupplement.Ifnecessary,byexterna
3、lcreditBureautoverifytheauthenticityofcustomerinformation.Articletenthcreditpre-loaninvestigationshouldbecompletedbythepersonhimself,maynotauthorizeathirdparty,exceptwhereotherwiseprovidedforbythesystemoftheBank.BranchManagermayhint,instruction,ordersignatureofinvestigationsincasesthatarenot
4、involvedintheinvestigation,pre-loaninvestigationamereformality.11thpre-loaninvestigationshouldbetwoparticipants,oneperson,anotherpersonaidedperson,exceptonbusinesswithspecialprovisions.Mainandauxiliaryofficersshallbeduediligence,investigatorsasasponsorofthecreditbusiness,bearprimaryresponsib
5、ilityforcredit,istheresponsibilityofcreditbusiness.Riskmanagersparticipateinthepre-loaninvestigationworkinparallel,asadoubleinvestigation,riskmanagersheldaccountablefortheirfindings.Article12thpre-loaninvestigationofficershallgivetheiropinioninacreditreportandsignatures,findingsshouldbeclear
6、.Onlysignedcomments,andambiguousorcontradictory,deemedtobeagreedforthecreditbusiness.13thmarketinglinesmanagementdepartmentsatalllevelstomeettheconditionsofcredit前言企业职工培训教育工作随着市场经济的深化和经济竞争、人才竞争的空前加剧在企业发展中起着越来越重要的作用，学习培训已经成为塑造企业文化，打造学习型企业的重要手段。因此，打造企业与员工双赢的培训体系已普遍被广大企业所认可。但在当前企业职工培训教育工作中普遍存在培
7、训教材不配套、培训教条化、纯理论的太多，可实际操作的太少；企业轻视职工培训，培训经费投入少；企业培训没有计划性，没有统一规划的培训主管部门，培训工作显得很随意；企业职工培训主体的师资---企业培训师队伍素质普遍不高，与培养新型实用人才要求有较大的差距；企业在职培训与学历教育混淆，职工培训缺乏创新意识等诸多问题。加强对企业职工教育培训工作的对策有转变思想观念，营造学习型企业氛围；做好企业员工培训工作的计划，有针对性地开展员工培训，进行员工分级分类培训，注重培训对象；科学地进行职位分析、需求分析
