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时常收到基层行信贷人员咨询:科目已经有了,为什么办不了贷?我们行要放某科目的贷款,在申请时怎么找不到某科目?此类问题不少,暴露出基层行信贷人员日常贷款办理过程中的一个问题:重科目、轻品种。信贷产品是银行可持续发展的基础,科目是核算、反映、监督银行信贷业务的工具。作为信贷人员应主要关注农发行的信贷产品种类和特点,选择合适的贷款品种营销客户、办理贷款。过于强
I often receive counseling at grassroots level credit officers: the subject already exists, why can not I borrow? We should put some subjects in the loan, how can not find a subject in the application? Such problems, exposing grass-roots credit officers A problem in the process of daily loans: heavy subjects, light varieties. Credit products are the foundation of a bank’s sustainable development. Subjects are tools for accounting, reflecting and supervising bank credit business. As credit officers, they should mainly pay attention to the types and characteristics of credit products of ADBC, select the appropriate loan varieties to market customers and handle loans. Too strong