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首先,严格各项规章制度,完善内部控制机制。一是要建立抵押物品合法性的审查制度,对抵(质)押物品的真实性,所有手续的合法性要认真审核;二是对申请抵(质)押贷款户进行实地考察,特别是金额在五万元以上的主管领导要亲自审查把关;三是要对信贷人员定期审核,对已发放的抵押贷款的抵(质)押物品定期检查,对归还贷款户需解除借款合同的主管领导亲自审核贷款归还金额,撤除抵(质)押物品要有经手人签字,主管领导批准。
First of all, strict rules and regulations, improve the internal control mechanism. First, we should establish a review system for the legality of the mortgaged goods, and examine the authenticity of all formalities for the authenticity of the goods (collaterals), and the second is to conduct a field visit on the loan applicants (in particular, the amount of The competent leaders above 50,000 yuan shall personally examine and check the checks; third, they shall carry out regular audits of credit officers, carry out regular checks on the collateral items that have been issued for mortgages, and personally supervise the leaders who need to cancel the loan contract Review the amount of loan repayments, remove the (pledge) of goods to be signed by the manager, the competent leadership for approval.