一、合规贷款中风险性贷款存在的可能性近年来总行陆续颁布了信贷规范化管理的系列文件,经过几年来的贯彻落实,应当说取得了明显的效果,突出地表现在由审贷岗位分离逐步走向审贷部门分离,特别是2000年实施信贷决策过程中的主责任人追究制度,使信贷决策机制更具有制约效应,对于保证贷款决策过程中的合规性、合法性,提高贷款质量都具有 First, the possibility of compliance loans, the possibility of risk loans In recent years, the head office has issued a series of standardized credit management documents, after several years of implementation, it should be said that achieved significant results, prominently demonstrated by the separation of the trial loan position gradually The separation of the lender from the lender, especially the principal-holder accountability system in the implementation of credit decision-making in 2000, has made the credit decision-making mechanism more restrictive and has the following functions in ensuring the compliance and legality of loan decision-making and improving the loan quality