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农信机构应不断完善相关贷后检查制度,健全内部学习和考核机制,营造合规办贷氛围,消除信贷从业人员不作为现象在经济下行期,银行的信用风险正加速暴露,特别是大额贷款违约逾期现象严重,这也反映出部分机构贷后管理责任落实不到位。随着新问题的不断出现,一些农信机构贷后管理能力难以有效应对市场风险挑战,加强农信机构贷后管理工作显得尤为迫切。农信机构贷后管理存在的问题目前,农信机构贷后管理主要依靠现场检查
Rural credit agencies should continue to improve the relevant post-loan inspection system, improve the internal learning and assessment mechanism, create a compliance loan environment, and eliminate credit practitioners as a phenomenon. In the economic downturn, the bank’s credit risk is accelerating exposure, in particular, large Loans default overdue serious, which also reflects the part of the agency to implement the post-loan management responsibilities are not in place. With the continuous emergence of new problems, the post-lending management capabilities of some rural credit cooperatives can hardly effectively meet market risk challenges. It is especially urgent to strengthen the post-lending management of rural credit cooperative institutions. The existing problems of post-loan management of rural credit cooperatives At present, the post-loan management of rural credit agency mainly depends on on-site inspection