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针对目前农发行信贷资产质量不高、政策性贷款风险大等实际情况,强化贷后管理十分必要。我认为,其核心是要建立健全贷后管理制度,即在贷款发放后,建立以业务管理和人员管理为基础,以跟踪监控、处理为手段的一套内部管理制度。其目的在于加强内部管理,提高信贷资产质量,使已经形成的不良资产得到有效的控制、处理和转化,防止新的不良资产的形成。一、项目档案、贷款台帐的管理和运用建立项目档案和贷款台帐,准确反映信贷资产的整体运行状况,是贷后管理的一般要求。在代理制下,对项目档案、贷款台帐的管理和运用,没有给以足够的重视,未能充分发挥项目档案和贷款台帐管理在跟踪分析方面的基础作用。其原因,一是对项目档案、贷款台帐的管理和运用没有从行内制度上进行严格要求,二是目前已设立的贷款台帐,在实际执行过程中,重点不突出,同企业管理不合拍,难度大。从强化贷后管理的实际出发,把项目档案、贷款台帐的
In view of the fact that the quality of credit assets of ADBC is not high and the risk of policy loans is high, it is necessary to strengthen post-loan management. In my opinion, the core of the system is to establish and improve the post-loan management system, that is, after the loan is granted, set up an internal management system based on business management and personnel management to follow the monitoring and treatment methods. Its purpose is to strengthen internal management and improve the quality of credit assets so that the already formed non-performing assets are effectively controlled, dealt with and transformed to prevent the formation of new non-performing assets. I. Management and Application of Project Files and Loan Accounts Establishing project files and loan accounts accurately reflects the overall operating conditions of credit assets and is a general requirement for post-loan management. Under the agency system, the management and application of project files and loans and debit accounts did not give sufficient attention to the basic role of project archives and loan account management in tracking analysis. The reasons are as follows: First, the management and application of project files and loan books and trunks have not been strictly regulated in the system; second, loan bureaus have been established so far. In the actual implementation process, the key points are not conspicuous and are out of step with the enterprise management ,High difficulty. From strengthening the reality of post-lending management, put the project files, loans and debit accounts