贷款业务规范化经营的探索与实践研究——以桐乡市农村信用合作联社贷放分控流程改造为例

桐乡市农村信用合作联社为规范贷款业务经营行为,加强操作管理,确保贷款的效益性、安全性和流动性,坚持全流程管理、审贷分离、岗位互控的原则,开展"三台八岗"的贷放分控流程改造,初步实现了效率提高、防范风险和职责明晰的目标。在实践中,以审批权限下放贴近三农,以技术控制防范风险的特点最引人注目。

To standardize the management behavior of loan business,strengthen operation management and insure the benefits,safety and flow property of loans, Tongxiang Rural Credit Cooperative Union adhere to the principles of whole process management, separation of investigation and loan launching, and mutual control of positions. And meanwhile, it has carried out the loan process reconstruction of separation and control in the form of setting three stages and eight positions, attained the aim of improvement of effectiveness, control of risk and responsibilities definiteness preliminary. In practice,it is remarkable for two characteristics of transferring the approval authority to a lower level to serve the rural district better and using technical control to prevent potential risks.