挖潜盘活清收风呆熊仁瑛＂一清偿＂；即抓好破产企业的债务清偿，减少贷款损失。＂二兼并＂。即促进企业兼并、合并，转化风呆贷款。＂三完善＂：一是完善挖潜盘活奖惩制度。二是完善贷款三级审批责任制，规范信贷操作行为。对信贷人贝明确权利和义务，划分责任界限，初审... Digging the submergence plate to clear the wind and stay Xiong Renxu “a clearing”; that is, do a good job of bankrupt companies’ debt settlement, reduce loan losses. “Two mergers.” That is, promoting mergers and acquisitions, mergers, and transforming wind-driven loans. “Three perfections”: First, improve the system of rewards and punishments for exploiting subsistence activities. The second is to improve the three-tier loan approval responsibility system and standardize the credit operation behavior. Defining the rights and obligations of creditors, dividing the boundaries of liability, preliminary examination...