一要建立严格的信贷投放、风险管理制度。二要确定有效目标客户,优化信贷资产结构。做好市场细分工作是重中之重,主动了解政府职能部门和企业资金需求,主动宣传金融政策,真心实意帮助企业解决实际问题。三要从源头抓起,做好信贷业务贷前尽职调查。建立和完善激励约束机制,充分调动客户经理的积极性,做到尽职尽责,严格审查,改“贷后整改”为“贷前防范”。四要落实好信贷投放的抵押物。最大限度地减少信贷资产风险,促进借款企业增强合理使用 First, we must establish a strict credit and risk management system. Second, we must determine the effective target customers, optimize the structure of credit assets. Market segmentation is the top priority, take the initiative to understand the needs of government departments and corporate funds, take the initiative to promote financial policies, and sincerely help companies solve practical problems. Third, we must start from the source and do a good job credit investigation before credit. Establish and improve the incentive and restraint mechanisms, and fully mobilize the enthusiasm of the client manager, so dutifully and strictly scrutinize and change “post-loan rectification ” to “before the loan ”. Fourth, we must implement good credit collateral. Minimize the risk of credit assets and encourage borrowers to enhance their fair use