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众所周知,信贷资产质量关系着银行的效益。因此,强化信贷资产规范管理显得尤为重要。河南省临颍县农发行借鉴商业银行的管理办法,结合政策性银行的行业特点,在信贷资产规范化管理方面进行了大胆的尝试,初步形成了一套较为科学、合理、规范、有效的管理方法(简称3348信贷管理法)。这一管理法引起了总行、省分行领导的重视,并在基层进行推广。一、实施背景1996年1月农发行分设时,农行所移交的材料,大多缺乏系统整理及检索工具,排列无序,成捆成堆,所要的数据找不到,上报项目无资料,不仅严重影响了工作效率的提高,而且直接影响了农发行在客户心目中的形象。为此,行
As we all know, the quality of credit assets is related to the efficiency of banks. Therefore, it is particularly important to strengthen the standardized management of credit assets. Linying County, Henan Province, Agricultural Development Bank with reference to the management approach, combined with the characteristics of the policy of the banking industry, standardized management of credit assets in a bold attempt to initially formed a set of more scientific, reasonable, standardized and effective management methods (Referred to as the 3348 Credit Management Law). This management law has aroused the attention of leaders of the head office and provincial branches and promoted them at the grassroots level. I. Implementation Background When the Agricultural Development Bank was separated in January 1996, most of the materials handed over by Agricultural Bank of China lacked systematical and search tools, arranged disorderly and bundled into bundles, and the required data could not be found. There was no information reported in the project, which was not only serious Affecting the improvement of work efficiency, but also directly affects the IDB’s image in the eyes of customers. To do this, OK