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粮棉油信贷资金封闭运行目标的实现,一方面取决于银行的管理水平,另一方面需国家有关部门和企业的密切配合,就银行自身来讲,干部队伍素质的高低,是实现收购资金封闭运行的关键。本文就如何强化信贷队伍管理,提高信贷人员素质谈点粗浅看法。一、信贷员应具备的基本素质(一)较高的政策水平是管好信贷资金的前提。农业发展银行的基本职能和任务客观上要求信贷人员必须有一定的政策理论水平,要有全局的观念,服从的观念,长远的观念,经营的观念,在重大问题上必须与党中央、国务院保持一致,做到令行禁止,政令畅通。要全面掌握国家的方针政策以及对收购资金管理的要求,吃透精神,掌握实质,恰当运用。在贯彻落实政策中,要掌握好尺度,审时度势妥善处理各种关系。在信贷工作中政策观念要强,生搬硬套,不结合实际情况的灵活性会给工作造成被动和损失。因此,较高的政策水平是保证农发行事业健康发展和收购资金封闭运行的前提。
On the one hand depends on the bank’s management level, on the other hand requires the relevant state departments and enterprises in close cooperation, in terms of the bank itself, the level of cadres and the quality of the staff is to achieve the acquisition of funds closed The key to running. This article talks about how to strengthen the management of credit team and improve the quality of credit officers. First, the credit officers should have the basic qualities (A) a higher level of policy is a prerequisite for the management of credit funds. The Basic Functions and Tasks of the Agricultural Development Bank Objectively requires that credit officers must have a certain level of policy and theory. They must have the overall concept, the concept of obedience, the concept of long-term and the concept of management. They must be consistent with the Central Party Committee and the State Council on major issues , So that the ban is prohibited, the government ordinance smooth. To fully grasp the country’s principles and policies as well as the requirements of the acquisition of funds management, eat through, grasp the essence, proper use. In implementing the policy, we must grasp the scale and take appropriate measures to properly handle the various situations. Policy concepts in the credit work stronger, mechanically, without the flexibility of the actual situation will result in passive and loss of work. Therefore, a higher level of policy is a prerequisite for ensuring the healthy development of the agricultural development sector and the closed operation of the funds for acquisition.