农信社贷后管理存在的问题及对策  

Problems and Countermeasures of Management After Loan of Rural Credit Cooperative Association

作　　者：王洪伟 Wang Hongwei(Hailun Rural Credit Cooperative Association, Hailun 152300, China)

机构地区：[1]海伦市农村信用合作联社,黑龙江海伦152300

出　　处：《黑龙江科学》2020年第14期118-119,共2页Heilongjiang Science

摘　　要：近年来,农信社信贷业务迅猛发展,信贷规模持续增长。但是,在信贷营销工作取得骄人成绩的同时,贷后管理工作问题也日益严峻。加强贷后管理不仅是信贷管理的重要内容和本质要求,更是增强信贷风险控制、切实提高信贷资产质量、确保信贷资产业务稳健发展的重要举措。针对当前农信社存在重投放轻管理的现象,应提高认识,严密贷后管理制度流程;重视管理,加强贷后风险预警意识的培养;完善制度,规范贷后检查的内容;明确职责,创新贷后管理的检查方式;强化队伍,打造职业客户经理团队。Recently,credit and loan business of rural credit cooperative association develops rapidly,and the credit and loan scale increase continuously.However,there are many problems.Strengthening management after loan is not only the important content and essential requirement of credit and loan management,but also the important countermeasure of strengthening credit and loan risk control,improving credit and loan assets quality,and ensureing business steady development of credit and loan business.According to the phenomena of focusing on input and lacking management,it is suggested to improve consciousness,and strict management system process after loan;to focus on management,and strengthen the training of the awareness of risk early warning after loan;perfect system,and regularize examination content after loan;clarify responsibility,and innovate examination method after management;improve staff ability,and build professional account manager team.

关 键 词：贷后管理 农信社 信贷人员 

分 类 号：F832.7[经济管理—金融学]