信贷风险防范工作

stressed that promoting the comprehensive revitalization should focus on economic construction as the central focus with pay special attention to grasp the implementation of five development concepts deepening reform and promoting the all round opening up ensuring and improving people s livelihood strengthen the construction of ecological civilization five priorities play development mix To with new development concept measure work and command action and training cadres in implement implementation new development concept in the looking for opportunities and build highlights and expand advantage to full deepening reform break bound the aspects created vitality of system mechanism obstacles to active advance full aspects opening participation in the cast Russian Economic Corridor construction to guarantees and improved livelihood strongly won poverty battle to strengthening ecological civilization construction for sustainable development reserved space for future generations left sky blue and to green and water clear of better homes We must in depth implement implementation new development concept insisted to economic construction for Center firmly caught development this first priority absorbed make construction heart no distractions caught development speed up development six big industry in depth implementation three big engineering active create two big environment out of a article quality more high and benefits better and structure more excellent of transformation development of road To strengthen ecological construction On March 22 the deep restructuring examined and adopted the opinion on perfecting compensation mechanism of ecological protection proposed to explore the establishment of diversified ecological compensation mechanism progressive realization of forests grasslands wetlands and other areas of focus and key ecological function and other important regional ecological compensation coverage the ecological advantages of the region will be further highlighted We need to go green eco building as the essential policy in strict accordance with the State of main function region construction requirements careful implementation and Xiaoxing an mountains forest ecological protection and economic restructuring plan for the construction of sky blue Acts prohibited by picking up the remaining wells in standing timber To focus on forest resource conservation increase the acquisition and supervision of cold storage no buy fruit encourage support to leading enterprises workers cooperatives as a unit the contract management of forest resources the rational protection and utilization of resources To work actively towards policy aimed from the level of the State Forestry Administration formulated regulations to protect forest resources as soon as possible to achieve law and regulation to protect forest resources Should focus on forest fire prevention Fire safety is the first priority the first responsibility of the forest 26th spring area has fully deployed to the fire has now entered the fire we have to be on duty and defend Determined to overcome paralysis must not Twelve Five no fires in the past the reduced requirements during the period To apply strictly the party with the responsibility must shoulder the responsibility of the Party Secretary in particular really practice pipes it can never shuaishouzhanggui be sure to layer the implementation falls fire responsibility to ensure that no major forest fires To adhere to balanced correctly handle the relationship between fire and project construction industrial development to never miss or two Second to speed up the development of six major industries Promote development in our region the key is to give full play to resource advantage to build eco oriented big six system to create the new engine of economic growth Firm confidence Practice has proved that the big six of both central and provincial requirements and meet the actual da hinggan mountains through active efforts have been showing a strong momentum of development So in the six on development we must be firm in faith go all out perseverance one caught in the end convinced that Castle is not relaxed does not reach the target will never give up Should focus on industrial projects Project is to accelerate the industrial development of important support and backing Industrial project construction my area there are few in number small size low level problems This year the project as his party has first project we have to work hard to project construction Especially effective during short catching project shall not slow dragging not allowed All localities should conscientiously implement the project leadership system timetable roadmap and coordinate services tracking the whole process forward inverted durations speeding up progress and seek practical results Poised to break the project build Set challenges to accelerate the pace of preliminary formalities the enterprises have difficulties to pull one way and also help in a timely manner to help businesses market enhance confidence urging work as soon as possible To strengthen the project analysis proper risk analysis and improve project success rates Specific to the XX we still want to make good use of agricultural advantages relying on the upper reaches of the forest in the fresh air and XXX pure water and other resources create high quality high grade green food brands truly reflect the original character Meanwhile adhere to the project as the breakthrough to promote economic development around the six industrial chain to pay special attention to forming projects dig potential projects focus on key projects actively cultivating the new leading industries and new sources of economic growth To promote investment More accurate professional business and based my industrial base and resources aimed at national industrial layout 今年以来 泰安工行坚持市场拓展与风险防控并举 防范风险与积极化解并重的策略 进 一步转变思想 改变观念 增强信贷风险管理的前瞻性 主动性和针对性 加强对企业信 贷业务的风险掌控 提高信贷资产质量 取得较好效果 健全风险流程控制建设 促进信贷业务健康发展 通过进一步健全风险流程控制建设 牢固树立风险管理意识 确保贷款资产质量 促进信贷业务的持续健康发展 加强信贷管理 防范潜在风险发生和不良贷款上升 认真落实贷款风险监测分析制度 建立了风险预警分析例会制度 通过信贷风险预警及时发现问题 提前采取措施处理问题 及时有效地防控大额风险 增强大户风险动态管理 防范潜在风险发生和不良贷款上升 为安全经营和效益提高打好基础 加强信贷资金管理 对每一笔贷款资金流向进行跟踪监测 一经发现企业违规使用信 贷资金 立即要求有关支行必须强制收回 随时掌握和分析借款人资金走向 及时改进风 险防控措施 确保信贷资金安全 建立健全激励约束机制 确定主责任人和责任人 对不及时准确采集风险预警信号的 或因拖延 隐瞒上报风险预警信息 以及未及时处理风险预警信号或处理不当 造成风险 加大或损失的 追究相关主责任人和责任人的责任 同时纳入行长绩效考核 加强风险管理人员综合素质提升 打造素质过硬的风险管理队伍 广泛依托业务培训 定期考试 课题调研等各种方式 切实提高信贷风险管理人员的专业技能和风险防范意识 适应全面风险管理工作要求 风险是指不确定因素导致的概率性危险与损失 巴塞尔协议 明确指出 银行业经营面临信用风险 市 场风险 操作风险三大风险 作为农村基层金融机构 农村信用社 信贷工作目前仍主导着整个业务经营 格局 因此 值此改革与发展的关键时期 农信社信贷工作如何转变长期积聚的重经营轻管理思想 逐步 摆脱不良资产困扰 进一步防化各类风险 降低信贷危险与损失的概率 已成为农村信用社业务经营工作 的重中之重 一 当前农信社信贷工作存在的问题 1 行业风险预警应急机制匮乏 一是农信社缺乏专业的行业风险评估人才和研究机构 贷款行业统计 缺乏专业性 整体信贷工作风险指导和早期预警滞后 风险防范不及时 行业综合性贷款风险危险性比较 突出 二是风险防范制度不健全 缺少行业风险防化制度与统一方案 风险防化措施实施不到位 制度执 stressed that promoting the comprehensive revitalization should focus on economic construction as the central focus with pay special attention to grasp the implementation of five development concepts deepening reform and promoting the all round opening up ensuring and improving people s livelihood strengthen the construction of ecological civilization five priorities play development mix To with new development concept measure work and command action and training cadres in implement implementation new development concept in the looking for opportunities and build highlights and expand advantage to full deepening reform break bound the aspects created vitality of system mechanism obstacles to active advance full aspects opening participation in the cast Russian Economic Corridor construction to guarantees and improved livelihood strongly won poverty battle to strengthening ecological civilization construction for sustainable development reserved space for future generations left sky blue and to green and water clear of better homes We must in depth implement implementation new development concept insisted to economic construction for Center firmly caught development this first priority absorbed make construction heart no distractions caught development speed up development six big industry in depth implementation three big engineering active create two big environment out of a article quality more high and benefits better and structure more excellent of transformation development of road To strengthen ecological construction On March 22 the deep restructuring examined and adopted the opinion on perfecting compensation mechanism of ecological protection proposed to explore the establishment of diversified ecological compensation mechanism progressive realization of forests grasslands wetlands and other areas of focus and key ecological function and other important regional ecological compensation coverage the ecological advantages of the region will be further highlighted We need to go green eco building as the essential policy in strict accordance with the State of main function region construction requirements careful implementation and Xiaoxing an mountains forest ecological protection and economic restructuring plan for the construction of sky blue Acts prohibited by picking up the remaining wells in standing timber To focus on forest resource conservation increase the acquisition and supervision of cold storage no buy fruit encourage support to leading enterprises workers cooperatives as a unit the contract management of forest resources the rational protection and utilization of resources To work actively towards policy aimed from the level of the State Forestry Administration formulated regulations to protect forest resources as soon as possible to achieve law and regulation to protect forest resources Should focus on forest fire prevention Fire safety is the first priority the first responsibility of the forest 26th spring area has fully deployed to the fire has now entered the fire we have to be on duty and defend Determined to overcome paralysis must not Twelve Five no fires in the past the reduced requirements during the period To apply strictly the party with the responsibility must shoulder the responsibility of the Party Secretary in particular really practice pipes it can never shuaishouzhanggui be sure to layer the implementation falls fire responsibility to ensure that no major forest fires To adhere to balanced correctly handle the relationship between fire and project construction industrial development to never miss or two Second to speed up the development of six major industries Promote development in our region the key is to give full play to resource advantage to build eco oriented big six system to create the new engine of economic growth Firm confidence Practice has proved that the big six of both central and provincial requirements and meet the actual da hinggan mountains through active efforts have been showing a strong momentum of development So in the six on development we must be firm in faith go all out perseverance one caught in the end convinced that Castle is not relaxed does not reach the target will never give up Should focus on industrial projects Project is to accelerate the industrial development of important support and backing Industrial project construction my area there are few in number small size low level problems This year the project as his party has first project we have to work hard to project construction Especially effective during short catching project shall not slow dragging not allowed All localities should conscientiously implement the project leadership system timetable roadmap and coordinate services tracking the whole process forward inverted durations speeding up progress and seek practical results Poised to break the project build Set challenges to accelerate the pace of preliminary formalities the enterprises have difficulties to pull one way and also help in a timely manner to help businesses market enhance confidence urging work as soon as possible To strengthen the project analysis proper risk analysis and improve project success rates Specific to the XX we still want to make good use of agricultural advantages relying on the upper reaches of the forest in the fresh air and XXX pure water and other resources create high quality high grade green food brands truly reflect the original character Meanwhile adhere to the project as the breakthrough to promote economic development around the six industrial chain to pay special attention to forming projects dig potential projects focus on key projects actively cultivating the new leading industries and new sources of economic growth To promote investment More accurate professional business and based my industrial base and resources aimed at national industrial layout 行不彻底 以致商业银行信贷限制或禁止的行业贷款项目较多流入农信社 这些贷款潜在风险较大 严重 威胁着农信社信贷资产质量 2 贷款 三查 制度执行弱化 主要体现在 一是贷前调查意识差 只片面强调贷款抵押担保 有抵必 贷 对借款人品质 能力 资本 抵押 环境 5c 系统缺乏科学的调查 还款来源重视度主次颠倒 且不 少信用社在办理抵押 房产 过程中缺少风险意识 未充分考虑最近司法解释关于借款人最低生活保障和 贷款到期利息 诉讼 财产处置费用实现等因素 对抵押物未实行保险 贷款按评估价足额发放 加大了贷 款风险概率 二是贷时审查把关不严 下列问题值得关注 第一 在强调审贷分离制度时 重程序轻实质 片面 认为程序 合法 的贷款就是 合规 的贷款 忽视贷款 三性 原则 第二 贷款审批表决人情化 贷审会 成员通常碍于情面 随大流签字表决 第三 会计人员缺少独立监督权 对信贷手续合法合规性监督 制 约不力 三是贷后检查讲形式 只对借款人名义资产变动等表象作粗略检查 而忽视借款人生产经营 资 金动向 贷后担保 诉讼等情况跟踪调查 检查方式单一 不深入 未能实质性发现问题 3 贷款变相垒大户 金融界有句格言 不能把所有的鸡蛋放在同一个篮子里 这是一切投资必需遵循 的风险原则 然而当前在基层各信用社贷款发放过程中 借款人利用各社间信息不对称 通过各种关系在 社社之间 交叉贷款 借户冒名贷款 违规垒大户 出现了贷款风险社社连锁 变相集中 4 信贷档案管理不规范 档案资源浪费严重 一是贷款档案资料不齐全 三查 记录不详细 导致信 贷员调动时借款户经营信息在前后信贷员间衔接不充分 给后续信贷员信贷风险评估 预警及贷款管理带 来障碍 二是档案信息利用不充分 未建立借款人借款史档案库 目前 农信社尚未实行贷款网络管理 电子化程度低 信贷档案年度装订成册并归档后基本不用 信息资源浪费严重 5 资产质量反映不实 随着农信社不良贷款管理工作的不断加强 贷款 双降 取得了较大进展 整体 资产质量有所提高 但是仔细分析 部份资产质量仍不容乐观 管理未实质性收效 一是抵贷资产价值抵 而不实 目前 许多信用社抵债资产市场价值低于待抵偿贷款本息 抵债贷款实际质量要远低于帐面质量 二是操作规程未严格执行 贷款在办理收旧贷新 借新还旧时具有随意性 不良贷款未真正按五级分类认 定 为完成各类考核目标 一些信用社在贷款尚有欠息情况下为借款人办理贷款转期 造成资产质量与收 息率提高不同步 掩盖贷款管理实情 6 信贷管理考核机制不健全 考核责 权 利不对等 部分农信社只强化对信贷员贷款管理考核 未 实行或完全实行对联社贷审机构 业务部门及信用社主任信贷管理责任考核 按照目前农信社信贷管理权 限 信贷员作为贷款的具体经办者 只具备调查权 真正的信贷决策 审批权微不足道 主要集中在上述 部门和人员手中 这种考核机制造成实际信贷工作上的责 权 利不对等 农信社一级法人改革后 这种 不对等的状态仍在理事会 联社贷审机构 基层社主任 信贷员之间延续 严重影响贷款管理质量的进一 步提高 7 银行信贷登记系统在信贷管理上未有效利用 一是在工商企业贷款管理上 未很好地将客户信用等 级评定和企业征信系统有机结合 在对企业评估缺少完整 独立的评估依据情况下 一些企业提供如虚假 的财务报表等信息资料骗取农信社资信 二是信贷登记系统覆盖不全 信息来源有局限 第一 现行的企 业征信系统只涵盖借款人的直接负债和对外担保 对借款人的家庭负债及成员债务履约情况未征信登记 第二 广大农户及其他自然人借款信息尚未纳入信贷登记系统征信范围 征信系统的应用范围不广或信息 不全面 引发信贷决策失误 8 信贷从业人员总体素质低 由于农信社信贷工作长期受粗放经营思想的错误指导和干扰 且人事改 革滞后 信贷从业人员总体素质不高 在经营意识上 一味追求规模 重投放轻管理 贷款放后不管 缺 stressed that promoting the comprehensive revitalization should focus on economic construction as the central focus with pay special attention to grasp the implementation of five development concepts deepening reform and promoting the all round opening up ensuring and improving people s livelihood strengthen the construction of ecological civilization five priorities play development mix To with new development concept measure work and command action and training cadres in implement implementation new development concept in the looking for opportunities and build highlights and expand advantage to full deepening reform break bound the aspects created vitality of system mechanism obstacles to active advance full aspects opening participation in the cast Russian Economic Corridor construction to guarantees and improved livelihood strongly won poverty battle to strengthening ecological civilization construction for sustainable development reserved space for future generations left sky blue and to green and water clear of better homes We must in depth implement implementation new development concept insisted to economic construction for Center firmly caught development this first priority absorbed make construction heart no distractions caught development speed up development six big industry in depth implementation three big engineering active create two big environment out of a article quality more high and benefits better and structure more excellent of transformation development of road To strengthen ecological construction On March 22 the deep restructuring examined and adopted the opinion on perfecting compensation mechanism of ecological protection proposed to explore the establishment of diversified ecological compensation mechanism progressive realization of forests grasslands wetlands and other areas of focus and key ecological function and other important regional ecological compensation coverage the ecological advantages of the region will be further highlighted We need to go green eco building as the essential policy in strict accordance with the State of main function region construction requirements careful implementation and Xiaoxing an mountains forest ecological protection and economic restructuring plan for the construction of sky blue Acts prohibited by picking up the remaining wells in standing timber To focus on forest resource conservation increase the acquisition and supervision of cold storage no buy fruit encourage support to leading enterprises workers cooperatives as a unit the contract management of forest resources the rational protection and utilization of resources To work actively towards policy aimed from the level of the State Forestry Administration formulated regulations to protect forest resources as soon as possible to achieve law and regulation to protect forest resources Should focus on forest fire prevention Fire safety is the first priority the first responsibility of the forest 26th spring area has fully deployed to the fire has now entered the fire we have to be on duty and defend Determined to overcome paralysis must not Twelve Five no fires in the past the reduced requirements during the period To apply strictly the party with the responsibility must shoulder the responsibility of the Party Secretary in particular really practice pipes it can never shuaishouzhanggui be sure to layer the implementation falls fire responsibility to ensure that no major forest fires To adhere to balanced correctly handle the relationship between fire and project construction industrial development to never miss or two Second to speed up the development of six major