过去,由于贷款制度不完善,管理不严格,在银行内部人员介绍贷款中,个别人钻了空子,致使贷款长期收不回来。不仅造成了银行的资金损失,而且影响了银行声誉。 现在,一些行对内部人员介绍贷款“谈虎色变”,一概视为人情贷款或不正之风,拒之于千里之外。笔者认为,对银行内部人员介绍贷款,应在兴利抑弊的前提下,作为一种经营措施,予以提倡。因为,银行内部人员介绍贷款,一是介绍者对贷户情况比较熟悉,知道其偿还能力如何,风险较小。二是介绍者作为第一清收责任人,贷款一旦造成风险,不仅要停职停薪清收,而且要用所扣工资抵还,直到还清为止。这样,就增加了介绍者的压力,增强了责任感,使他们放时慎重、管时严格、收 In the past, due to imperfect lending system and poor management, some individuals made a debacle when they introduced loans to bank personnel, resulting in the long-term loan recovery. Not only caused the bank’s financial losses, but also affected the bank’s reputation. Now, a few banks introduce loans to internal personnel and talk about changes in color, which are all regarded as loaning loans or unhealthy tendencies. The author believes that the introduction of loans to the bank’s internal staff should be beneficial to the pros and cons of the premise, as a management measure to be promoted. Because, bank internal staff to introduce loans, first, the introducer of the loan is more familiar with the situation, know how to repay their ability, the risk is small. Second, the introducer as the first owner of the collection, once the risk of loans, not only to pay the suspension of pay collection, but also with the deduction of the deducted wages until it is paid off. In this way, the pressure on the introducer will be increased and the sense of responsibility will be enhanced so that they will be cautious in taking timely measures and strict control