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要从信贷资源整合优化机制、关键人才培养机制、追责机制和评价考核机制等方面,强化信贷从业人员的经营理念、工作作风和能力素质,加强信贷风控当前,随着经济下行和不良贷款攀升,农商行信贷管理及队伍建设的薄弱环节逐渐显现,防控信贷风险实乃当务之急。信贷风险防控关键在人,在于信贷从业人员的经营理念、工作作风和能力素质。笔者试从信贷队伍建设视角分析农商行信贷管理存在的主要问题,探讨信贷风险的管控策略。
It is necessary to strengthen credit risk management and credit control policies from the aspects of credit resources optimization and optimization mechanism, key personnel training mechanism, accountability mechanism and evaluation and evaluation mechanism. With the economic downturn and non-performing loans Climbing, the weak links of credit management and team building of Rural Commercial Bank gradually emerged, and preventing and controlling credit risk was a top priority. The key point of credit risk prevention and control lies in the management concept, style of work and quality of credit practitioners. The author tries to analyze the main problems of ABC's credit management from the perspective of credit team construction and discusses the management and control strategies of credit risk.