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sha zhu yi dai mou si mo wang ze
Author(s): 
Pages: 64
Year: Issue:  5
Journal: Xi'an Finance

Keyword:  风险管理信贷管理信贷员市场经济体制发放贷款信贷人员银行信贷“权”信贷资金个信贷;
Abstract: <正> 多少年来,银行信贷员发放贷款总显得“权”多“责”少,甚或无“责”可究,而“权”“利”依旧。笔者近闻山西省某县农行制订了“信贷员风险管理办法”,对放贷人员实 行风险管理。贷款一旦逾期。即按逾期额给予10%—40%的经济处罚。在实施中动真碰硬,对今年发放贷款形成逾期的23名信贷员给予严肃的处罚,收到了良好的效果。这一做法,无疑是在市场经济体制下,完善强化信贷管理的良策。首先,从根本上强化了贷前的调查,使每个信贷员对申贷者自身
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