放款中心业务流程

out city created and care masses life focus work in depth investigation more out boutique masterpiece makes we of research results more to into led of decision vision more to in national some has effect of newspaper Shang published for advance work and publicity changde play due of role Third information submitted to be pragmatic Quick and timely The ancients said for the time system statement back for the time being nothing Therefore the submission of information to do four that is find the problem faster editorial writing send and read faster approval and feedback to implement quickly To be true and accurate True mainly reflect the full picture of events one is one two this is the life of the information Accuracy is primarily qualitative and quantitative questions quantitative objective of publicQualitative logic To be reliable and useful We submit information to have access to decision making to guide and promote the work and solve practical problems Mixed cum On the negative information and emergency information rapid escalation in strict accordance with the procedures firm newspaper newspapers never late fail to report false claim and skimming Investee 2 supervision and insist on around and protecting their interests to touch the truth seek practical results Adhere to people oriented the most important thing is to realize safeguard and develop the fundamental interests of the overwhelming majority of the people We carry out inspection so must go deep among the masses go deep into the realities always pay attention to the people s livelihood to grasp the public sentiment and earnestly safeguard the benefit addressing the masses are most concerned about and reflecting the strongest issues efforts to solve the problem of decisions implemented and not implemented One is to stick to principles Right of inspection is one of the most important powers of the Office should not only dare to use but also with caution So called dared to use is to hold a number of important issues bold supervision over supervision track inspection problems are not solved do not pass the blame does not hold did not miss dissatisfaction of the masses did not miss the real right of supervision authority with the benefits Call with caution is supervising departments should strengthen the consciousness of authorized strictly according to procedure preventing the supervision and excessive to prevent adding burden to grass roots To this end the supervision Department of the Party Committee of supervision must be under city and County party Committee Secretary General Office Second we should focus on Is the Governor those related to the globalEvent Governor the protracted difficult strong Governor during emergency urgent Not having special departments in charge of the General Governor under the normal procedure can do good things not Governor not authorized by County leaders not the Governor Third is to solve the problem The purpose of supervision to resolve the problem To adhere to and further improve the feelings survey by looking up public sentiments to find problems Problems will increase its special supervision set up accounts hold on to it We should conscientiously implement the leading contracting matters secured had an answer to everything then settles rate of 100 Have an impact on some of the outstanding issues supervision departments and information components together play the supervisory role of the news media to promote problem solving Investee 3 insist on a daily run around the practice of truth catching efficiency focus specification To give full play to the party Office around connecting coordinating internal and external features contact rally at all levels to motivate every aspect adhere to the truth strengthening standardized management to achieve coherent efficient and effective functioning of the daily work of the Party Committee Is processing messages should strive to streamline standardize and quality Streamlining is to control the number of messages compress messages reducing procedures improve message handling efficiency Specifications is to strictly enforce the ban issued by the Communist party authorities in document handling regulations and provincial and municipal regulations conscientiously strengthen and improve communications management to ensure that party documents orderly High quality is to improve the quality of message processing it is necessary to accurately implementing the intention of the Party Committee clearance good communications policy program closed ensuring that there is no error Second meeting scheduled to ensure thorough safe and efficient Any arrangements for the meetings and events carefully arranged item by item interface implemented sure To vigorously streamline meetings activities number of pressure reduction scale to ensure that leadership emerged from the General Conference and entertainment services focus on big things matters Third reception services should lay stress on humane personal cultural and human Reception and work directly with people reception services directly affecting the Office of party Committee The image of the region At the same time strengthening the construction of library improve the reception conditions more human oriented personal cultural work into the reception a little more human needs a little more human care more humane atmosphere and constantly improve the service improve the quality of service Meanwhile to further pay special attention to the daily work of the other Office System Confidential work responsibility system for leading cadres to implement security as a leader to improve the confidentiality of classified personnel especially leading cadres strengthening party and Government focus on vital sectors of security management to advance privacy management standardization modernization of security techniques as a means of administration according to law and security enforcement ensure the safety of the party and State secrets Confidential work to meet the demands of new technology development 放款中心业务流程放款中心业务流程 一 在已获信贷审批部门审批同意的各类授信业务的实际发放前 前台经营部门 客户经理根据客户提出的授信业务支用需求 在对公信贷业务流程管理系统 CLPM 中发起合同支用申请 并提交 至放款中心审查岗 同时将有关申请放款的纸质文件材 料送交放款中心 具体文件材料如下 一 客户基础信息资料 1 营业执照 2 企业法人代码证书 3 贷款卡 贷款证 4 税务登记证书 5 公司章程 6 董事签字样本 7 法人代表人身份证复印件 8 担保单位基础资料 如有 9 其它资料 信贷经营部门应审查营业执照 企业法人代码证书 贷款卡 贷款证 税务登记证 书原件是否在有效期内 是否通过了工商管理等相关部门的年检 法人代表身份证复 印件是否在有效期以内等 二 客户授信信息资料 1 额度授信申报书 2 额度授信审批批复 3 变更额度授信申报书 如有 4 变更授信审批批复 如有 5 客户评级报告 6 客户评级审批批复 7 客户评级报告综合结论表 8 最近三年财务报表 9 其他资料 年度内多次办理放款业务且客户基础信息和客户授信信息无变化的 相关资料文 件只需在第一次办理时提供 三 客户授信支用信息资料 1 授信业务放款支用申请书 2 授信业务支用审批批复 out city created and care masses life focus work in depth investigation more out boutique masterpiece makes we of research results more to into led of decision vision more to in national some has effect of newspaper Shang published for advance work and publicity changde play due of role Third information submitted to be pragmatic Quick and timely The ancients said for the time system statement back for the time being nothing Therefore the submission of information to do four that is find the problem faster editorial writing send and read faster approval and feedback to implement quickly To be true and accurate True mainly reflect the full picture of events one is one two this is the life of the information Accuracy is primarily qualitative and quantitative questions quantitative objective of publicQualitative logic To be reliable and useful We submit information to have access to decision making to guide and promote the work and solve practical problems Mixed cum On the negative information and emergency information rapid escalation in strict accordance with the procedures firm newspaper newspapers never late fail to report false claim and skimming Investee 2 supervision and insist on around and protecting their interests to touch the truth seek practical results Adhere to people oriented the most important thing is to realize safeguard and develop the fundamental interests of the overwhelming majority of the people We carry out inspection so must go deep among the masses go deep into the realities always pay attention to the people s livelihood to grasp the public sentiment and earnestly safeguard the benefit addressing the masses are most concerned about and reflecting the strongest issues efforts to solve the problem of decisions implemented and not implemented One is to stick to principles Right of inspection is one of the most important powers of the Office should not only dare to use but also with caution So called dared to use is to hold a number of important issues bold supervision over supervision track inspection problems are not solved do not pass the blame does not hold did not miss dissatisfaction of the masses did not miss the real right of supervision authority with the benefits Call with caution is supervising departments should strengthen the consciousness of authorized strictly according to procedure preventing the supervision and excessive to prevent adding burden to grass roots To this end the supervision Department of the Party Committee of supervision must be under city and County party Committee Secretary General Office Second we should focus on Is the Governor those related to the globalEvent Governor the protracted difficult strong Governor during emergency urgent Not having special departments in charge of the General Governor under the normal procedure can do good things not Governor not authorized by County leaders not the Governor Third is to solve the problem The purpose of supervision to resolve the problem To adhere to and further improve the feelings survey by looking up public sentiments to find problems Problems will increase its special supervision set up accounts hold on to it We should conscientiously implement the leading contracting matters secured had an answer to everything then settles rate of 100 Have an impact on some of the outstanding issues supervision departments and information components together play the supervisory role of the news media to promote problem solving Investee 3 insist on a daily run around the practice of truth catching efficiency focus specification To give full play to the party Office around connecting coordinating internal and external features contact rally at all levels to motivate every aspect adhere to the truth strengthening standardized management to achieve coherent efficient and effective functioning of the daily work of the Party Committee Is processing messages should strive to streamline standardize and quality Streamlining is to control the number of messages compress messages reducing procedures improve message handling efficiency Specifications is to strictly enforce the ban issued by the Communist party authorities in document handling regulations and provincial and municipal regulations conscientiously strengthen and improve communications management to ensure that party documents orderly High quality is to improve the quality of message processing it is necessary to accurately implementing the intention of the Party Committee clearance good communications policy program closed ensuring that there is no error Second meeting scheduled to ensure thorough safe and efficient Any arrangements for the meetings and events carefully arranged item by item interface implemented sure To vigorously streamline meetings activities number of pressure reduction scale to ensure that leadership emerged from the General Conference and entertainment services focus on big things matters Third reception services should lay stress on humane personal cultural and human Reception and work directly with people reception services directly affecting the Office of party Committee The image of the region At the same time strengthening the construction of library improve the reception conditions more human oriented personal cultural work into the reception a little more human needs a little more human care more humane atmosphere and constantly improve the service improve the quality of service Meanwhile to further pay special attention to the daily work of the other Office System Confidential work responsibility system for leading cadres to implement security as a leader to improve the confidentiality of classified personnel especially leading cadres strengthening party and Government focus on vital sectors of security management to advance privacy management standardization modernization of security techniques as a means of administration according to law and security enforcement ensure the safety of the party and State secrets Confidential work to meet the demands of new technology development 3 借款合同书 协议 4 担保合同书 包含各类保证金质押 保证 抵押 质押合同 5 抵质押权利凭证 6 最近一期财务报表 7 董事会决议 8 核准通知书 如有 9 贷款价格优惠审批表 如有 10 授信业务合同合规性审查表 11 授信业务审批条件落实情况审查表 13 其他资料 四 放款中心需要提供的其它资料 信贷经营部门应对所提交文件资料的真实性 合法性 合规性 完整性和有效性 负责 且有责任 有义务向放款中心及时提供最新的文件资料 信贷经营部门在自身审查范围内对授信业务进行合规性审查 合同审查 落实贷 前条件审查后 向放款中心提出对公授信业务发放的申请 二 信贷经营部门客户经理与放款中心审查岗人员办理授信业务文件资料 合 同资料等交接手续 同时附加申请材料收妥单 一式两份 放款中心审查岗人员检 验文件材料的齐全性后签收 并由客户经理带回一份留底 放款中心审查人员不对信 贷经营部门送审业务文件资料的真实性负责 三 放款中心审查岗按照审查要求对授信业务条件的落实情况进行审查 并在对 公信贷业务流程管理系统 CLPM 中审查经办行客户经理录入的CLPM 系统数据的 正确性 在符合放款要求的前提下完成CLPM 系统放款审查环节的工作 四 放款中心复核岗主要根据授信业务资料和合同资料 对审查岗提交的初步审 查意见进行复核 并在对公信贷业务流程管理系统 CLPM 中处理放款复核环节的 工作 五 符合放款条件的 审查人员在授信业务合同合规性审查表和授信业务审查条 件落实情况审查表中签署审查合格意见 同时在对公信贷业务流程管理系统 CLPM 中完成合格审查操作流程后 将相关授信文件材料和签字后的纸质审查意见表移交给 市分行信贷档案中心 六 经审查认定有关授信业务不符合放款条件的 审查人员在授信业务合同合规 性审查表和授信业务审查条件落实情况审查表中签署审查不合格意见 并列明不符合 审查要求的具体内容 签署书面或电子文件退回客户经理 并在对公信贷业务流程管 理系统 CLPM 中完成退回操作流程 待其完备有关手续后再送审 七 对于贸易融资 贴现 保理业务的放款 流程 out city created and care masses life focus work in depth investigation more out boutique masterpiece makes we of research results more to into led of decision vision more to in national some has effect of newspaper Shang published for advance work and publicity changde play due of role Third information submitted to be pragmatic Quick and timely The ancients said for the time system statement back for the time being nothing Therefore the submission of information to do four that is find the problem faster editorial writing send and read faster approval and feedback to implement quickly To be true and accurate True mainly reflect the full picture of events one is one two this is the life of the information Accuracy is primarily qualitative and quantitative questions quantitative objective of publicQualitative logic To be reliable and useful We submit information to have access to decision making to guide and promote the work and solve practical problems Mixed cum On the negative information and emergency information rapid escalation in strict accordance with the procedures firm newspaper newspapers never late fail to report false claim and skimming Investee 2 supervision and insist on around and protecting their interests to touch the truth seek practical results Adhere to people oriented the most important thing is to realize safeguard and develop the fundamental interests of the overwhelming majority of the people We carry out inspection so must go deep among the masses go deep into the realities always pay attention to the people s livelihood to grasp the public sentiment and earnestly safeguard the benefit addressing the masses are most concerned about and reflecting the strongest issues efforts to solve the problem of decisions implemented and not implemented One is to stick to principles Right of inspection is one of the most important powers of the Office should not only dare to use but also with caution So called dared to use is to hold a number of important issues bold supervision over supervision track inspection problems are not solved do not pass the blame does not hold did not miss dissatisfaction of the masses did not miss the real right of supervision authority with the benefits Call with caution is supervising departments should strengthen the consciousness of authorized strictly according to procedure preventing the supervision and excessive to prevent adding burden to grass roots To this end the supervision Department of the Party Committee of supervision must be under city and County party Committee Secretary General Office Second we should focus on Is the Governor those related to the globalEvent Governor the protracted difficult strong Governor during emergency urgent Not having special departments in charge of the General Governor under the normal procedure can do good things not Governor not authorized by County leaders not the Governor Third is to solve the problem The purpose of supervision to resolve the problem To adhere to and further improve the feelings survey by looking up public sentiments to find problems Problems will increase its special supervision set up accounts hold on to it We should conscientiously implement the leading contracting matters secured had an answer to everything then settles rate of 100 Have an impact on some of the outstanding issues supervision departments and information components together play the supervisory role of the news media to promote problem solving Investee 3 insist on a daily run around the practice of truth catching efficiency focus specification To give full play to the party Office around connecting coordinating internal and external features contact rally at all levels to motivate every aspect adhere to the truth strengthening standardized management to achieve coherent efficient and effective functioning of the daily work of the Party Committee Is processing messages should strive to streamline standardize and quality Streamlining is to control the number of messages compress messages reducing procedures improve message handling efficiency Specifications is to strictly enforce the ban issued by the Communist party authorities in document handling regulations and provincial and municipal regulations conscientiously strengthen and improve communications management to ensure that party documents orderly High quality is to improve the quality of message processing it is necessary to accurately