个贷中心实施方案

RAPIDDEVELOPMENTOFTHEMARKETECONOMYENVIRONMENTTOEXPLOREPUBLICSERVANTSDUTYCONSUMPTIONMONETIZATIONREFORMHASPROVIDEDAGOODFOUNDATIONTHESOCIALIZATIONOFREARSERVICEWORKHASBEENLAUNCHED,ANDRAPIDPROGRESSINSOMEPLACESANDDEPARTMENTS,DUTYCONSUMPTIONMONETIZATIONOFCARRIERANDAPPROACHTOMANAGEMENTHASBEENRESOLVEDTHIRD,INRECENTYEARS,EXPLORINGTHEMONETIZATIONOFDUTYCONSUMPTIONHASMADESOMEPROGRESS,HAVEGAINEDSOMEEXPERIENCEANDCANPROVIDEREFERENCETOTHECOMPREHENSIVEREFORMOFTHESYSTEMOFPUBLICSERVANTSDUTYCONSUMPTIONFURTHERIMPLEMENTINGAN“HONESTCANTEEN“,STANDARDIZEOFFICIALENTERTAININGMANAGEMENTENHANCINGTHETELECOMMUNICATIONEXPENSEMANAGEMENTELIMINATIONOFCOUNTYTRAVELANDCOUNTRYSIDESUBSIDIESRESEARCH“VILLAGEOFFICIALS“CAPITALIZATIONMANAGEMENTOFCORPORATESPENDING,ANDSOONFINALLY,GROUP18SESSIONTOBEHELDINBEIJINGFROMNOVEMBER9,2013TO12TH35YEARSAGOBLEWTHETHIRDPLENARYSESSIONOFTHEREFORMANDOPENINGUPINTHESPRINGBREEZE,CHANGED,AFFECTTHEWORLDTODAY,35YEARSLATER,INTHEEYESOFTHENATIONANDTHEWORLDEXPECT,AGAINTOREFORMMARKCHINA,USHEREDINTHE18SESSIONXIGENERALSECRETARYPOINTEDOUTTHATCHINASREFORMHASENTEREDACRUCIALPERIODANDTHESHAMSHUIPODISTRICT,MUSTBEBASEDONGREATERPOLITICALCOURAGEANDWISDOM,LOSENOTIMEINDEEPENINGREFORMINIMPORTANTFIELDSDARESTOCRACKAHARDNUT,DARESTOQUESTIONTHERAPIDS,WHICHDARESTOBREAKTHEBARRIEROFIDEAS,ANDDARETOBENEFITCUREBARRIERSDEEPENINGREFORMANDOPENINGUPISONSCHEDULETOACHIEVEINSTITUTIONALSAFEGUARDSOFTHEMODERATELYWELLOFFUNDERTHE“FIVEINONE“THEGENERALLAYOUTOFSOCIALISTMODERNIZATIONREQUIREMENTS,18SESSIONOFTHEDECISIONWASA“FIVEINONE“ANDTHEIMPROVEMENTOFOVERALLSCHEMEOFREFORM,WILLPROMOTEANINTEGRATEDANDCOORDINATEDECONOMIC,POLITICAL,CULTURAL,SOCIALANDECOLOGICALCIVILIZATIONCONSTRUCTIONOFTHEFIVEREFORMSANDTHEPARTYSCONSTRUCTIONINTHEAREAOFINSTITUTIONALREFORMTHE“FIVEINONE“PROGRAMMEISTOACHIEVEACOMPREHENSIVEREFORMOFINSTITUTIONALGUARANTEESFOROBJECTIVESOFBUILDAWELLOFFSOCIETY,THESMOOTHPROGRESSOFTHECONSTRUCTIONOFAWELLOFFSOCIETYANDREFORMTHEOBJECTIVESOFTHEPROGRAMMEONE,HOLDINGTIMEANDPLACEIMPORTANCEONNOVEMBER9,2013TOTHE18SESSIONOFTHE12THBEIJINGSINCE1978,35,HAVEBEEN7PLENARYSESSION,EACHTIMEONMAJORISSUESOFPOLITICALANDECONOMICLIFEOFTHECOUNTRYHASMADEIMPORTANTDEPLOYMENTINACCORDANCEWITHPRCPOLITICALPRACTICE,OFTENATEVERYSESSIONOFTHECPCCENTRALCOMMITTEEINAPLENARYSESSIONWASHELDIMMEDIATELYAFTERTHEPARTYSCONGRESS,ONTHETHEME“PERSONNEL“,DISCUSSINGELECTIONCENTRALSTOPLEADERS,SUCHASTHEELECTIONOFTHESTANDINGCOMMITTEEOFTHEPOLITICALBUREAU,THROUGHTHECENTRALCOMMITTEEMEMBERS,DECISIONS,SUCHASMEMBERSOFTHECENTRALMILITARYCOMMISSIONTHESECONDPLENARYSESSION,ISHELDINTWOSESSIONSBEFORETHEGENERALELECTION,MAINLYTODISCUSSANEWSTATEPERSONNELISSUESBUTBYTHETHIRDPLENARYSESSION,EACHSESSIONOFTHECENTRALCOMMITTEEOFNATIONALINSTITUTIONSANDPERSONNELPROBLEMSHAVEBEENARRANGED,YOUCANCONCENTRATEONNATIONALDEVELOPMENTANDREFORMSPREVIOUSPLENARYSESSIONISOFTENBRANDEDWITHACENTRALLEADINGCOLLECTIVE,OFTENBYLOOKINGATTHETHIRDPLENUMOFTHEINITIATIVETOFOUNDTHECURRENTCENTRALLEADERSHIPCOLLECTIVEGOVERNANCECHARACTERISTICSFROMTHEANALYSISOFTHEPROCESSOFECONOMICREFORMINCHINA,PLENARYSESSION,12SESSION,14,16PLENARYSESSIONHAVEPROGRAMMATICMEANING,RESPECTIVELY,MARKINGTHEFOURSTAGESOFCHINASECONOMICREFORM,ANDTHATTHESTARTUPPHASEOFREFORM,REFORM,CONSTRUCTIONPHASEANDPERFECTINGTHESOCIALISTMARKETECONOMYFRAMEWORKSTAGEOFSOCIALISTMARKETECONOMYPREVIOUSPLENARYSESSIONTOPICSPROPOSEDTOTHETHIRDPLENARYSESSIONOF“TAKINGCLASSSTRUGGLEASTHEKEYLINK,“SHIFTEDTOSOCIALISTMODERNIZATION12SESSIONMARKEDTHECHANGEFROMRURALTOURBAN,ESTABLISHEDWITHPUBLICOWNERSHIPASTHEFOUNDATIONOFAPLANNEDCOMMODITYECONOMY13SESSIONATATIMEWHENBOTHTHEOLDANDTHENEWSYSTEMCHANGE,GOVERNANCEANDRECTIFYTHEECONOMICORDER14FAIRANDEFFICIENTANDAUTHORITATIVESOCIALISTJUDICIALSYSTEM,SAFEGUARDTHEPEOPLESINTERESTSLEGALAUTHORITYTOUPHOLDTHECONSTITUTION,DEEPENINGTHEREFORMOFADMINISTRATIVELAWENFORCEMENT,ENSURETHATTHERIGHTTOEXERCISEJUDICIALPOWERINDEPENDENTLYANDIMPARTIALLYACCORDINGTOLAWTHEPROSECUTION,PERFECTINGTHERUNNINGMECHANISMOFJUDICIALPOWER,IMPROVETHESYSTEMOFJUDICIALPROTECTIONOFHUMANRIGHTSPLENARYSESSION,AFFAIRSTHERIGHTTOADHERETOTHESYSTEM,ANDLETTHEPEOPLEAUTHORITYTOLETTHEPOWERRUNINTHESUN,ISSHUTUPINACAGEOFTHESYSTEMPOWERPOLICYDECISIONSCIENCE,IMPLEMENTATIONSHOULDBECONSTRUCTEDSTRONG,SUPERVISETHERUNNINGOFPOWERFULSYSTEM,IMPROVETHESYSTEMOFPUNISHINGANDPREVENTINGCORRUPTION,PROMOTINGPOLITICALINTEGRITY,ANDSTRIVETOACHIEVECADRESHONESTANDGOVERNMENTINTEGRITY,CLEANPOLITICSTOFORMASCIENTIFICANDEFFECTIVECOORDINATIONOFPOWERRESTRICTIONANDMECHANISMSTOSTRENGTHENANTICORRUPTIONINSTITUTIONALINNOVATIONANDINSTITUTIONALPROTECTION,SOUNDIMPROVEMENTSTYLENORMALSYSTEMPLENARYSESSION,BUILDINGASOCIALISTCULTUREINCHINA,ENHANCINGNATIONALCULTURALSOFTPOWER,MUSTADHERETOTHEORIENTATIONOFADVANCEDSOCIALISTCULTURE,ADHERETOTHEDEVELOPMENTOFSOCIALISTCULTUREWITHCHINESECHARACTERISTICS,ADHERETOTHEPEOPLECENTREDWORKORIENTED,FURTHERDEEPENINGREFORMOFCULTURETOIMPROVETHECULTURALMANAGEMENTSYSTEM,ESTABLISHANDIMPROVETHEMODERNMARKETSYSTEMANDBUILDINGMODERNPUBLICCULTURALSERVICESYSTEM,IMPROVETHELEVELOFCULTUREOPENINGPLENARYSESSION,ACHIEVINGDEVELOPMENTRESULTSMOREEQUITABLEBENEFITOFALLPEOPLE,WEMUSTSPEEDUPREFORMOFSOCIALPROGRAMSANDSOLVETHEISSUESOFCONCERNTOTHEPEOPLETHEMOSTDIRECTANDREALINTEREST,ANDBETTERMEETTHENEEDSOFTHEPEOPLETODEEPENEDUCATIONREFORM,IMPROVEINSTITUTIONALMECHANISMSFORTHE附件三峡分行个人贷款中心实施方案为了全面提升我行个人信贷业务的市场竞争能力，优化个人信贷业务流程，提高工作效率，达到有效防范和控制个人信贷业务风险，推动个人信贷业务实现跨越式发展的目的，根据上级行有关文件精神及规定，按照我行二九年四月八日行长专题会议和二九年八月二十一日行长办公会议要求，特制定分行个人贷款中心实施方案。一、分行个人贷款中心组建的总体思路分行个人贷款中心按照“以客户为中心，以效率为重心，以管理为轴心，以增产增收为核心”的经营理念，在严格遵循现行信贷管理、授信审批政策与管理制度的前提下，依托宜昌市房地产交易中心的独特物理位置，通过把全行个人信贷业务中、后台（暂不纳入全行个人信贷业务营销指导与管理等职能）业务处理和管理职能统一到一个平台（分行个人贷款中心）内实行中、后台分离、职责分设、业务流程分离作业，实行分散式营销、集中式处理、高效化业务流程、特色化的组建模式，按照“集中管理，统一考核，专业指导，整体联动”的原则运行管理。二、分行个人贷款中心组织架构、人员编制及工作职责按照个人贷款业务“集中管理，统一考核，专业指导，整体联动”的运行管理原则，分行个人贷款中心负责个人贷款业务的中、RAPIDDEVELOPMENTOFTHEMARKETECONOMYENVIRONMENTTOEXPLOREPUBLICSERVANTSDUTYCONSUMPTIONMONETIZATIONREFORMHASPROVIDEDAGOODFOUNDATIONTHESOCIALIZATIONOFREARSERVICEWORKHASBEENLAUNCHED,ANDRAPIDPROGRESSINSOMEPLACESANDDEPARTMENTS,DUTYCONSUMPTIONMONETIZATIONOFCARRIERANDAPPROACHTOMANAGEMENTHASBEENRESOLVEDTHIRD,INRECENTYEARS,EXPLORINGTHEMONETIZATIONOFDUTYCONSUMPTIONHASMADESOMEPROGRESS,HAVEGAINEDSOMEEXPERIENCEANDCANPROVIDEREFERENCETOTHECOMPREHENSIVEREFORMOFTHESYSTEMOFPUBLICSERVANTSDUTYCONSUMPTIONFURTHERIMPLEMENTINGAN“HONESTCANTEEN“,STANDARDIZEOFFICIALENTERTAININGMANAGEMENTENHANCINGTHETELECOMMUNICATIONEXPENSEMANAGEMENTELIMINATIONOFCOUNTYTRAVELANDCOUNTRYSIDESUBSIDIESRESEARCH“VILLAGEOFFICIALS“CAPITALIZATIONMANAGEMENTOFCORPORATESPENDING,ANDSOONFINALLY,GROUP18SESSIONTOBEHELDINBEIJINGFROMNOVEMBER9,2013TO12TH35YEARSAGOBLEWTHETHIRDPLENARYSESSIONOFTHEREFORMANDOPENINGUPINTHESPRINGBREEZE,CHANGED,AFFECTTHEWORLDTODAY,35YEARSLATER,INTHEEYESOFTHENATIONANDTHEWORLDEXPECT,AGAINTOREFORMMARKCHINA,USHEREDINTHE18SESSIONXIGENERALSECRETARYPOINTEDOUTTHATCHINASREFORMHASENTEREDACRUCIALPERIODANDTHESHAMSHUIPODISTRICT,MUSTBEBASEDONGREATERPOLITICALCOURAGEANDWISDOM,LOSENOTIMEINDEEPENINGREFORMINIMPORTANTFIELDSDARESTOCRACKAHARDNUT,DARESTOQUESTIONTHERAPIDS,WHICHDARESTOBREAKTHEBARRIEROFIDEAS,ANDDARETOBENEFITCUREBARRIERSDEEPENINGREFORMANDOPENINGUPISONSCHEDULETOACHIEVEINSTITUTIONALSAFEGUARDSOFTHEMODERATELYWELLOFFUNDERTHE“FIVEINONE“THEGENERALLAYOUTOFSOCIALISTMODERNIZATIONREQUIREMENTS,18SESSIONOFTHEDECISIONWASA“FIVEINONE“ANDTHEIMPROVEMENTOFOVERALLSCHEMEOFREFORM,WILLPROMOTEANINTEGRATEDANDCOORDINATEDECONOMIC,POLITICAL,CULTURAL,SOCIALANDECOLOGICALCIVILIZATIONCONSTRUCTIONOFTHEFIVEREFORMSANDTHEPARTYSCONSTRUCTIONINTHEAREAOFINSTITUTIONALREFORMTHE“FIVEINONE“PROGRAMMEISTOACHIEVEACOMPREHENSIVEREFORMOFINSTITUTIONALGUARANTEESFOROBJECTIVESOFBUILDAWELLOFFSOCIETY,THESMOOTHPROGRESSOFTHECONSTRUCTIONOFAWELLOFFSOCIETYANDREFORMTHEOBJECTIVESOFTHEPROGRAMMEONE,HOLDINGTIMEANDPLACEIMPORTANCEONNOVEMBER9,2013TOTHE18SESSIONOFTHE12THBEIJINGSINCE1978,35,HAVEBEEN7PLENARYSESSION,EACHTIMEONMAJORISSUESOFPOLITICALANDECONOMICLIFEOFTHECOUNTRYHASMADEIMPORTANTDEPLOYMENTINACCORDANCEWITHPRCPOLITICALPRACTICE,OFTENATEVERYSESSIONOFTHECPCCENTRALCOMMITTEEINAPLENARYSESSIONWASHELDIMMEDIATELYAFTERTHEPARTYSCONGRESS,ONTHETHEME“PERSONNEL“,DISCUSSINGELECTIONCENTRALSTOPLEADERS,SUCHASTHEELECTIONOFTHESTANDINGCOMMITTEEOFTHEPOLITICALBUREAU,THROUGHTHECENTRALCOMMITTEEMEMBERS,DECISIONS,SUCHASMEMBERSOFTHECENTRALMILITARYCOMMISSIONTHESECONDPLENARYSESSION,ISHELDINTWOSESSIONSBEFORETHEGENERALELECTION,MAINLYTODISCUSSANEWSTATEPERSONNELISSUESBUTBYTHETHIRDPLENARYSESSION,EACHSESSIONOFTHECENTRALCOMMITTEEOFNATIONALINSTITUTIONSANDPERSONNELPROBLEMSHAVEBEENARRANGED,YOUCANCONCENTRATEONNATIONALDEVELOPMENTANDREFORMSPREVIOUSPLENARYSESSIONISOFTENBRANDEDWITHACENTRALLEADINGCOLLECTIVE,OFTENBYLOOKINGATTHETHIRDPLENUMOFTHEINITIATIVETOFOUNDTHECURRENTCENTRALLEADERSHIPCOLLECTIVEGOVERNANCECHARACTERISTICSFROMTHEANALYSISOFTHEPROCESSOFECONOMICREFORMINCHINA,PLENARYSESSION,12SESSION,14,16PLENARYSESSIONHAVEPROGRAMMATICMEANING,RESPECTIVELY,MARKINGTHEFOURSTAGESOFCHINASECONOMICREFORM,ANDTHATTHESTARTUPPHASEOFREFORM,REFORM,CONSTRUCTIONPHASEANDPERFECTINGTHESOCIALISTMARKETECONOMYFRAMEWORKSTAGEOFSOCIALISTMARKETECONOMYPREVIOUSPLENARYSESSIONTOPICSPROPOSEDTOTHETHIRDPLENARYSESSIONOF“TAKINGCLASSSTRUGGLEASTHEKEYLINK,“SHIFTEDTOSOCIALISTMODERNIZATION12SESSIONMARKEDTHECHANGEFROMRURALTOURBAN,ESTABLISHEDWITHPUBLICOWNERSHIPASTHEFOUNDATIONOFAPLANNEDCOMMODITYECONOMY13SESSIONATATIMEWHENBOTHTHEOLDANDTHENEWSYSTEMCHANGE,GOVERNANCEANDRECTIFYTHEECONOMICORDER14FAIRANDEFFICIENTANDAUTHORITATIVESOCIALISTJUDICIALSYSTEM,SAFEGUARDTHEPEOPLESINTERESTSLEGALAUTHORITYTOUPHOLDTHECONSTITUTION,DEEPENINGTHEREFORMOFADMINISTRATIVELAWENFORCEMENT,ENSURETHATTHERIGHTTOEXERCISEJUDICIALPOWERINDEPENDENTLYANDIMPARTIALLYACCORDINGTOLAWTHEPROSECUTION,PERFECTINGTHERUNNINGMECHANISMOFJUDICIALPOWER,IMPROVETHESYSTEMOFJUDICIALPROTECTIONOFHUMANRIGHTSPLENARYSESSION,AFFAIRSTHERIGHTTOADHERETOTHESYSTEM,ANDLETTHEPEOPLEAUTHORITYTOLETTHEPOWERRUNINTHESUN,ISSHUTUPINACAGEOFTHESYSTEMPOWERPOLICYDECISIONSCIENCE,IMPLEMENTATIONSHOULDBECONSTRUCTEDSTRONG,SUPERVISETHERUNNINGOFPOWERFULSYSTEM,IMPROVETHESYSTEMOFPUNISHINGANDPREVENTINGCORRUPTION,PROMOTINGPOLITICALINTEGRITY,ANDSTRIVETOACHIEVECADRESHONESTANDGOVERNMENTINTEGRITY,CLEANPOLITICSTOFORMASCIENTIFICANDEFFECTIVECOORDINATIONOFPOWERRESTRICTIONANDMECHANISMSTOSTRENGTHENANTICORRUPTIONINSTITUTIONALINNOVATIONANDINSTITUTIONALPROTECTION,SOUNDIMPROVEMENTSTYLENORMALSYSTEMPLENARYSESSION,BUILDINGASOCIALISTCULTUREINCHINA,ENHANCINGNATIONALCULTURALSOFTPOWER,MUSTADHERETOTHEORIENTATIONOFADVANCEDSOCIALISTCULTURE,ADHERETOTHEDEVELOPMENTOFSOCIALISTCULTUREWITHCHINESECHARACTERISTICS,ADHERETOTHEPEOPLECENTREDWORKORIENTED,FURTHERDEEPENINGREFORMOFCULTURETOIMPROVETHECULTURALMANAGEMENTSYSTEM,ESTABLISHANDIMPROVETHEMODERNMARKETSYSTEMANDBUILDINGMODERNPUBLICCULTURALSERVICESYSTEM,IMPROVETHELEVELOFCULTUREOPENINGPLENARYSESSION,ACHIEVINGDEVELOPMENTRESULTSMOREEQUITABLEBENEFITOFALLPEOPLE,WEMUSTSPEEDUPREFORMOFSOCIALPROGRAMSANDSOLVETHEISSUESOFCONCERNTOTHEPEOPLETHEMOSTDIRECTANDREALINTEREST,ANDBETTERMEETTHENEEDSOFTHEPEOPLETODEEPENEDUCATIONREFORM,IMPROVEINSTITUTIONALMECHANISMSFORTHE2后台业务处理和管理（暂不纳入全行个人信贷业务营销指导与管理等）职能，中心组成人员除审查审批人员由授信审批部派驻外，其余人员从分行信贷管理部、个人金融业务部及相关机构中调入。按照二九年四月八日行长专题会议意见，分行个人贷款中心挂靠分行个人金融业务部管理。（一）人员定编分行个人贷款中心定编17人，其中授信审批部派驻审批负责人1人（兼中心主任），专职审批人（或中心副主任）1人，审查岗2人信贷管理部调入作业监督岗2人，贷款核准岗2人，催收岗1人；个人金融业务部等部门调入受理综合岗1人、贷款综合岗7人。（二）工作职责个人贷款中心在分行个人贷款审批转授权限内负责全行个人贷款审查审批；对全行个人贷款业务进行作业监督；集中处理城区支行（夷陵、猇亭除外）个人贷款的贷款签约、担保落实等业务；逐步对全行个人信贷业务违约贷款实施集中催收督导和管理；对全行个人贷款业务信贷政策与管理制度的执行、操作流程、信贷作业等进行指导；为全行个人贷款业务提供政策、技术支持和相关培训辅导，定期或不定期组织召开业务协调会或座谈会；协调与个人贷款中心职责相关的行、内外相关部门和单位工作。分行个人贷款中心内部主要岗位的工作职责如下。中心主任工作职责RAPIDDEVELOPMENTOFTHEMARKETECONOMYENVIRONMENTTOEXPLOREPUBLICSERVANTSDUTYCONSUMPTIONMONETIZATIONREFORMHASPROVIDEDAGOODFOUNDATIONTHESOCIALIZATIONOFREARSERVICEWORKHASBEENLAUNCHED,ANDRAPIDPROGRESSINSOMEPLACESANDDEPARTMENTS,DUTYCONSUMPTIONMONETIZATIONOFCARRIERANDAPPROACHTOMANAGEMENTHASBEENRESOLVEDTHIRD,INRECENTYEARS,EXPLORINGTHEMONETIZATIONOFDUTYCONSUMPTIONHASMADESOMEPROGRESS,HAVEGAINEDSOMEEXPERIENCEANDCANPROVIDEREFERENCETOTHECOMPREHENSIVEREFORMOFTHESYSTEMOFPUBLICSERVANTSDUTYCONSUMPTIONFURTHERIMPLEMENTINGAN“HONESTCANTEEN“,STANDARDIZEOFFICIALENTERTAININGMANAGEMENTENHANCINGTHETELECOMMUNICATIONEXPENSEMANAGEMENTELIMINATIONOFCOUNTYTRAVELANDCOUNTRYSIDESUBSIDIESRESEARCH“VILLAGEOFFICIALS“CAPITALIZATIONMANAGEMENTOFCORPORATESPENDING,ANDSOONFINALLY,GROUP18SESSIONTOBEHELDINBEIJINGFROMNOVEMBER9,2013TO12TH35YEARSAGOBLEWTHETHIRDPLENARYSESSIONOFTHEREFORMANDOPENINGUPINTHESPRINGBREEZE,CHANGED,AFFECTTHEWORLDTODAY,35YEARSLATER,INTHEEYESOFTHENATIONANDTHEWORLDEXPECT,AGAINTOREFORMMARKCHINA,USHEREDINTHE18SESSIONXIGENERALSECRETARYPOINTEDOUTTHATCHINASREFORMHASENTEREDACRUCIALPERIODANDTHESHAMSHUIPODISTRICT,MUSTBEBASEDONGREATERPOLITICALCOURAGEANDWISDOM,LOSENOTIMEINDEEPENINGREFORMINIMPORTANTFIELDSDARESTOCRACKAHARDNUT,DARESTOQUESTIONTHERAPIDS,WHICHDARESTOBREAKTHEBARRIEROFIDEAS,ANDDARETOBENEFITCUREBARRIERSDEEPENINGREFORMANDOPENINGUPISONSCHEDULETOACHIEVEINSTITUTIONALSAFEGUARDSOFTHEMODERATELYWELLOFFUNDERTHE“FIVEINONE“THEGENERALLAYOUTOFSOCIALISTMODERNIZATIONREQUIREMENTS,18SESSIONOFTHEDECISIONWASA“FIVEINONE“ANDTHEIMPROVEMENTOFOVERALLSCHEMEOFREFORM,WILLPROMOTEANINTEGRATEDANDCOORDINATEDECONOMIC,POLITICAL,CULTURAL,SOCIALANDECOLOGICALCIVILIZATIONCONSTRUCTIONOFTHEFIVEREFORMSANDTHEPARTYSCONSTRUCTIONINTHEAREAOFINSTITUTIONALREFORMTHE“FIVEINONE“PROGRAMMEISTOACHIEVEACOMPREHENSIVEREFORMOFINSTITUTIONALGUARANTEESFOROBJECTIVESOFBUILDAWELLOFFSOCIETY,THESMOOTHPROGRESSOFTHECONSTRUCTIONOFAWELLOFFSOCIETYANDREFORMTHEOBJECTIVESOFTHEPROGRAMMEONE,HOLDINGTIMEANDPLACEIMPORTANCEONNOVEMBER9,2013TOTHE18SESSIONOFTHE12THBEIJINGSINCE1978,35,HAVEBEEN7PLENARYSESSION,EACHTIMEONMAJORISSUESOFPOLITICALANDECONOMICLIFEOFTHECOUNTRYHASMADEIMPORTANTDEPLOYMENTINACCORDANCEWITHPRCPOLITICALPRACTICE,OFTENATEVERYSESSIONOFTHECPCCENTRALCOMMITTEEINAPLENARYSESSIONWASHELDIMMEDIATELYAFTERTHEPARTYSCONGRESS,ONTHETHEME“PERSONNEL“,DISCUSSINGELECTIONCENTRALSTOPLEADERS,SUCHASTHEELECTIONOFTHESTANDINGCOMMITTEEOFTHEPOLITICALBUREAU,THROUGHTHECENTRALCOMMITTEEMEMBERS,DECISIONS,SUCHASMEMBERSOFTHECENTRALMILITARYCOMMISSIONTHESECONDPLENARYSESSION,ISHELDINTWOSESSIONSBEFORETHEGENERALELECTION,MAINLYTODISCUSSANEWSTATEPERSONNELISSUESBUTBYTHETHIRDPLENARYSESSION,EACHSESSIONOFTHECENTRALCOMMITTEEOFNATIONALINSTITUTIONSANDPERSONNELPROBLEMSHAVEBEENARRANGED,YOUCANCONCENTRATEONNATIONALDEVELOPMENTANDREFORMSPREVIOUSPLENARYSESSIONISOFTENBRANDEDWITHACENTRALLEADINGCOLLECTIVE,OFTENBYLOOKINGATTHETHIRDPLENUMOFTHEINITIATIVETOFOUNDTHECURRENTCENTRALLEADERSHIPCOLLECTIVEGOVERNANCECHARACTERISTICSFROMTHEANALYSISOFTHEPROCESSOFECONOMICREFORMINCHINA,PLENARYSESSION,12SESSION,14,16PLENARYSESSIONHAVEPROGRAMMATICMEANING,RESPECTIVELY,MARKINGTHEFOURSTAGESOFCHINASECONOMICREFORM,ANDTHATTHESTARTUPPHASEOFREFORM,REFORM,CONSTRUCTIONPHASEANDPERFECTINGTHESOCIALISTMARKETECONOMYFRAMEWORKSTAGEOFSOCIALISTMARKETECONOMYPREVIOUSPLENARYSESSIONTOPICSPROPOSEDTOTHETHIRDPLENARYSESSIONOF“TAKINGCLASSSTRUGGLEASTHEKEYLINK,“SHIFTEDTOSOCIALISTMODERNIZATION12SESSIONMARKEDTHECHANGEFROMRURALTOURBAN,ESTABLISHEDWITHPUBLICOWNERSHIPASTHEFOUNDATIONOFAPLANNEDCOMMODITYECONOMY13SESSIONATATIMEWHENBOTHTHEOLDANDTHENEWSYSTEMCHANGE,GOVERNANCEANDRECTIFYTHEECONOMICORDER14FAIRANDEFFICIENTANDAUTHORITATIVESOCIALISTJUDICIALSYSTEM,SAFEGUARDTHEPEOPLESINTERESTSLEGALAUTHORITYTOUPHOLDTHECONSTITUTION,DEEPENINGTHEREFORMOFADMINISTRATIVELAWENFORCEMENT,ENSURETHATTHERIGHTTOEXERCISEJUDICIALPOWERINDEPENDENTLYANDIMPARTIALLYACCORDINGTOLAWTHEPROSECUTION,PERFECTINGTHERUNNINGMECHANISMOFJUDICIALPOWER,IMPROVETHESYSTEMOFJUDICIALPROTECTIONOFHUMANRIGHTSPLENARYSESSION,AFFAIRSTHERIGHTTOADHERETOTHESYSTEM,ANDLETTHEPEOPLEAUTHORITYTOLETTHEPOWERRUNINTHESUN,ISSHUTUPINACAGEOFTHESYSTEMPOWERPOLICYDECISIONSCIENCE,IMPLEMENTATIONSHOULDBECONSTRUCTEDSTRONG,SUPERVISETHERUNNINGOFPOWERFULSYSTEM,IMPROVETHESYSTEMOFPUNISHINGANDPREVENTINGCORRUPTION,PROMOTINGPOLITICALINTEGRITY,ANDSTRIVETOACHIEVECADRESHONESTANDGOVERNMENTINTEGRITY,CLEANPOLITICSTOFORMASCIENTIFICANDEFFECTIVECOORDINATIONOFPOWERRESTRICTIONANDMECHANISMSTOSTRENGTHENANTICORRUPTIONINSTITUTIONALINNOVATIONANDINSTITUTIONALPROTECTION,SOUNDIMPROVEMENTSTYLENORMALSYSTEMPLENARYSESSION,BUILDINGASOCIALISTCULTUREINCHINA,ENHANCINGNATIONALCULTURALSOFTPOWER,MUSTADHERETOTHEORIENTATIONOFADVANCEDSOCIALISTCULTURE,ADHERETOTHEDEVELOPMENTOFSOCIALISTCULTUREWITHCHINESECHARACTERISTICS,ADHERETOTHEPEOPLECENTREDWORKORIENTED,FURTHERDEEPENINGREFORMOFCULTURETOIMPROVETHECULTURALMANAGEMENTSYSTEM,ESTABLISHANDIMPROVETHEMODERNMARKETSYSTEMANDBUILDINGMODERNPUBLICCULTURALSERVICESYSTEM,IMPROVETHELEVELOFCULTUREOPENINGPLENARYSESSION,ACHIEVINGDEVELOPMENTRESULTSMOREEQUITABLEBENEFITOFALLPEOPLE,WEMUSTSPEEDUPREFORMOFSOCIALPROGRAMSANDSOLVETHEISSUESOFCONCERNTOTHEPEOPLETHEMOSTDIRECTANDREALINTEREST,ANDBETTERMEETTHENEEDSOFTHEPEOPLETODEEPENEDUCATIONREFORM,IMPROVEINSTITUTIONALMECHANISMSFORTHE31、负责本中心全面管理工作，落实各项规章制度的执行，并协调中心与省分行、分行相关职能部门的关系。2、在转授权权限内对全行个人信贷业务进行审查审批。3、负责服务质量控制。整体掌握本中心贷款处理流程执行情况，定期分析服务质量，对流程和业务中反映的问题，及时处理，重大情况及时报告。4、参与全行个人信贷业务市场的组织推动与督导，牵头组织领导对重点房地产纯按揭项目、汽车经销商及工商大户的市场营销。5、负责本中心各岗位工作绩效的考核，对中心设置的各岗位职责落实情况进行督导与检查，并及时合理调配人力资源，适时调整劳动组合，提高工作绩效。6、负责防范本中心营运管理风险。严格贯彻执行经营管理的各项方针政策和规章制度，认真履行内控管理职责，严防各种差错事故、违纪事件和经济案件的发生，是本中心内控管理工作第一责任人。7、负责本中心全体人员日常工作纪律、考勤情况的管理。8、负责宜昌市房地产权监理处、车管所、公证处等政府机构和评估公司、担保公司等业务合作机构的联系与关系维护工作。中心副主任（或专职审批人）工作职责1、协助本中心主任开展工作，在转授权权限内进行个人贷RAPIDDEVELOPMENTOFTHEMARKETECONOMYENVIRONMENTTOEXPLOREPUBLICSERVANTSDUTYCONSUMPTIONMONETIZATIONREFORMHASPROVIDEDAGOODFOUNDATIONTHESOCIALIZATIONOFREARSERVICEWORKHASBEENLAUNCHED,ANDRAPIDPROGRESSINSOMEPLACESANDDEPARTMENTS,DUTYCONSUMPTIONMONETIZATIONOFCARRIERANDAPPROACHTOMANAGEMENTHASBEENRESOLVEDTHIRD,INRECENTYEARS,EXPLORINGTHEMONETIZATIONOFDUTYCONSUMPTIONHASMADESOMEPROGRESS,HAVEGAINEDSOMEEXPERIENCEANDCANPROVIDEREFERENCETOTHECOMPREHENSIVEREFORMOFTHESYSTEMOFPUBLICSERVANTSDUTYCONSUMPTIONFURTHERIMPLEMENTINGAN“HONESTCANTEEN“,STANDARDIZEOFFICIALENTERTAININGMANAGEMENTENHANCINGTHETELECOMMUNICATIONEXPENSEMANAGEMENTELIMINATIONOFCOUNTYTRAVELANDCOUNTRYSIDESUBSIDIESRESEARCH“VILLAGEOFFICIALS“CAPITALIZATIONMANAGEMENTOFCORPORATESPENDING,ANDSOONFINALLY,GROUP18SESSIONTOBEHELDINBEIJINGFROMNOVEMBER9,2013TO12TH35YEARSAGOBLEWTHETHIRDPLENARYSESSIONOFTHEREFORMANDOPENINGUPINTHESPRINGBREEZE,CHANGED,AFFECTTHEWORLDTODAY,35YEARSLATER,INTHEEYESOFTHENATIONANDTHEWORLDEXPECT,AGAINTOREFORMMARKCHINA,USHEREDINTHE18SESSIONXIGENERALSECRETA