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随着社会主义市场经济体制的确立,企业经营机制的转换,逐步建立有利于提高信贷资产质量和经营效益的运行管理机制,保证信贷资金安全,已成为当前各银行迫切需要解决的问题。下面笔者就怎样实行信贷管理责任制,以提高信贷资产质量,谈谈自己的看法。一、实行贷款风险与经营行职工利益挂钩、与主要责任者的奖金挂钩、与领导者的政绩挂钩的信贷管理责任制。即上级行每年初对各县市支行上一年度在信贷资产的质量、安全、效益和信贷管理等方面,进行全面检查和考核,通过对新增贷
With the establishment of the socialist market economic system, the transformation of business operation mechanism, and the gradual establishment of an operation and management mechanism conducive to improving the quality and operational efficiency of credit assets, the security of credit funds has become an issue that banks urgently need to solve. The following author how to implement the credit management responsibility system to improve the quality of credit assets, to talk about their own views. First, the implementation of credit risk management and business line with the interests of workers linked with the main responsibility of the bonuses, and leadership performance-linked credit management responsibility system. That is, the superior bank conducts a comprehensive inspection and assessment on the quality, safety, efficiency and credit management of credit assets of the previous year in all the cities and sub-branches at the beginning of each year,