In mid-January, the head office held a meeting on planning and credit, and after serving as the director of credit for a few months, Director Gu Yuan finally came up with his own work policy as the director of credit, which seems to have been approved by the leaders of the head office. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 infoThe idea he proposed was to focus on the mortgage of the real estate as the central content of the credit increment scheme. The next series of measures revolve around this.

After the meeting, the system-wide credit inspection was arranged.

During the meeting, it was rumored that more than 30 division-level cadres of the head office were transferred because of the in-depth development of institutional reform, and the legal department was merged into the loss prevention department, Shen Lixia was the general manager, and Yi Muzi of the original loss prevention department was sent to the Futian branch as his president.

In the summer, taking advantage of the opportunity of implementing the credit work meeting of the head office, the following working documents were issued to the general department.

Guiding Principles for the Work of Credit Posts in the Hubei Branch of the Citizens Bank

First, the overall goal

In accordance with the spirit of the document on the upgrading of the head office, centering on the central tasks of the Bank and the department this year, in order to achieve the formation of smooth communication channels for each post in strengthening management and promoting the work, and giving full play to the initiative and creativity of the employees in the work under their jurisdiction, a number of working principles of planned credit management that have been implemented on a trial basis since the second half of 96 years have been improved and supplemented as the guiding principles for this year's post work.

The main objectives of the guiding principle are: based on the post, starting from me, focusing on the goal and fulfilling my duties, quantitative assessment, reflecting more work and more rewards from the contribution to the sub-branch, and promoting creative thinking and contribution under the premise of abiding by rules and disciplines.

2. Evaluation Methods:

Continue to adhere to the assessment method of "cutting assessment, classification and quantification, rewarding performance, total score accumulation, and comprehensive evaluation", and form points and comprehensive evaluation in the detailed evaluation of the performance status and results of each work and management function of each post. Pay attention to the differences between different positions between internal and external staff, between internal and external staff, and the dialectical relationship between attendance and performance appraisal, and adopt the phased evaluation method of one evaluation per month.

Third, the general working principles of all posts in the department:

1. Principle of Temporary Disposal: Meaning: The credit officer of the plan represents the Bank externally, and his micro work objectives must be implemented in accordance with the decision-making of the sub-branch and the work plan formulated by the department according to the decision-making of the sub-branch. However, in the process of coordinating and exchanging with foreign countries, it is possible to encounter situations where it is necessary to express one's stance immediately. At this time, the credit officer can make a statement according to the macro goal of the sub-branch, but after returning to the sub-branch, he must report to the previous post and the authorized post as soon as possible to obtain confirmation or denial of the stated matter.

2. Coordination principle: Meaning: Coordination is particularly important because of the characteristics of multi-post complementarity, internal and external integration, and interaction between the top and bottom and the left and right sides in business integration and credit management. In vertical coordination, when it is necessary to coordinate and report to the posts at the next level and two levels, they must report the situation to the posts they have crossed before or after the event to show that they are responsible for the previous post and form a longitudinal and smooth communication channel.

3. The principle of joint responsibility: meaning: (1) Strengthen one specialty and multiple abilities, and on-the-job employees must have a main post and a supplementary post. (2) In the implementation of the principle of coordination, the posts that are vertically notified should be divided according to the responsibilities set up by the superiors, and bear the responsibility for the notified events respectively, so as to show joint responsibility. (3) Under specific conditions, they are willing to carry out the transformation of the main and supporting roles, and correct the relationship between the individual and the collective.

4. Respect for the principle of objectivity and dialectic: Meaning: Whether it is in business integration, credit management or collection of employees, in the analysis of problems and external coordination, grasp the authenticity and original appearance of the object is the basic requirement for carrying out work. For this reason, in the process of judging and screening the false and retaining the true, it is necessary to carry out the process of affirmation and negation in the continuous assumption and exclusion, and confirm the basis of judgment from it, so as to realize the goal of seeking truth and pragmatism in a materialistic and dialectical way, and put an end to the tendency of people to follow the clouds and ignore right and wrong.

5. Critical principle: meaning: degree, proportion, and heat are the image words that express the criticality. Grasping the tipping point is something we should pay great attention to in every job we do. There are critical issues in the relative contradictions such as form and content, attendance and performance appraisal, principle and flexibility, promotion and constraints. The main points of implementing this principle are: First, learn the critical theory. Second, it is necessary to grasp the critical point of specific work and do a good job in judging the time and sizing up the situation.

6. Procedural principle: The construction of the system based on the premise of standardized operation has entered a relatively perfect stage. The main points of the implementation of the procedural principle are: (1) Each post should take the system as the criterion and act according to the system. (2) In the implementation of the system, we should strive to avoid the interference of interpersonal relationships as if it were running a computer application. (3) When the implementation system is to adopt alternative means, the premise should be: (1) the situation of the first and second posts is clear, and (2) the principle of special cases is invoked in an organized way to make changes.

7. Principle of special cases: Meaning: In the case of perfect design and smooth operation of all operating procedures, sometimes special circumstances may occur, which must be handled in the form of special affairs. Key points of implementation: (1) After the implementation of the principle of special cases, the relevant posts shall be notified in accordance with the principle of coordination; (2) The organization shall bear the responsibility for the special matters, and the relevant posts shall not have any resistance or indication that the procedures are fictitious.

Fourth, the job requirements:

All posts need to use the thinking of "there is no best, only better", to dilute the past in stages, based on the present, focus on the future, and carry out work creatively. It can be considered that forward-thinking and creative contributions under the premise of compliance with rules and disciplines are the most worthy of encouragement and recognition.

The principle requirements for each post are:

1. Comprehensive post of capital plan:

In principle, it should meet the job responsibilities and post operation standards described in the standard management system of the head office. Considering the characteristics of our bank's large amount of capital receipts and payments and the concentration of debt customers, it is particularly required to do a good job in the following three links: (1) continue to maintain a smooth coordination and communication channel in the vertical and horizontal directions, and speed up the efficiency of position analysis; (2) according to the new fund management method of the head office, pay attention to the establishment of a lending relationship between sub-branches, so as to strive to achieve the goal of generating profits and guaranteeing payment; (3) there should be a great improvement in the quality of comprehensive analysis.

At the same time, it is required to:

(1) In order to meet the needs of office automation of the head office, self-study computer in the first half of the year, and submit all text materials by computer operation (copy or printing) after June;

(2) Spend 30% of the time learning credit management business as a supplementary position;

(3) Data archiving is based on quarters, and there is no backlog.

2. Comprehensive post of credit management:

This post includes three functions: comprehensive, archive and review. The post requirements stipulated in the current documents of the head office credit department corresponding to the three positions are the principle requirements of the post. At the same time, in order to effectively implement the instructions of the head office on "not only developing, but also avoiding new risks" and the requirements of standard upgrading, the following points are emphasized:

(1) Ensure security: the security and integrity of the first and second level files, and the legitimacy and integrity of the new development business files.

(2) Implement procedures and do a good job of confidentiality. Programmatic requirements are as described above. In terms of confidentiality, it is emphasized that the loan approval form only feeds back the results to the customer, and it is strictly forbidden to disclose the approval opinions of each post to the outside world. Unless agreed by the functional departments of the head office and the head of the sub-branch, it is forbidden to copy the loan dossier materials such as the submission statement.

(3) When grasping the critical point in credit management, attention should be paid to:

(1) Urging: urging what should be urged, not urging should not be urged, pay attention to avoid departmental friction and unprincipled disputes.

(2) If the blind spots of the enterprise are found during the loan review, the investigators can be asked to understand, but only ask and do not discuss, make a record, and it is forbidden to prompt the relevant personnel to adjust the relevant data and materials.

(3) Regarding the implementation of the "Notice on Further Strengthening Credit Management" in the Notice on Further Strengthening Credit Management in the Notice on Further Strengthening Credit Management, "in principle, the loan examiners of the head office and sub-branches shall not directly contact the loan customers, and may go to the lending enterprises to verify the relevant loan information and information when necessary": In order to strive not to let go of a good customer and not ignore a potential customer, it can be dealt with in three situations:

a. When the functional departments of the head office and the leaders of the sub-branches ask the examiners to intervene in the verification of the enterprise, they should do so.

b. When the proposed loan enterprise submits sufficient information to determine whether to lend or not, it does not need to go to the enterprise for verification.

c. When there are many blind spots in the enterprise, and the main blind spots cannot be ruled out after learning from the investigators, and the other circumstances of the enterprise show that there is considerable potential, you can go to the enterprise to verify the situation so as not to lose customers.

(4) Study: a. Use 30% of the time to study the comprehensive business of the plan, and serve as a supplementary position; b. Self-study computer knowledge, and report the materials to the head office after June to be operated by the computer; c. Learn the business from some sub-branches that carry out domestic and foreign currency credit business with a relatively complete variety, and strive to learn and understand.

3. Clearing and closing posts:

In the implementation of various work principles, it is especially necessary to grasp the principle of respecting objectivity and dialectic, face up to reality, cheer up spirits, do not complain, do not shirk, and strive to find a breakthrough. In terms of working methods, the practice of vertical and horizontal co-employment and cross-rotation in relation to specific events and time periods should be adhered to. In a more complex working environment, we strive to be loyal to our duties, bold and careful, fight wits and courage, and strive to complete the plan issued by the head office.

Job Responsibilities:

(1) Oversee the registration and statistics of the ledger and schedule of loan settlement cases in accordance with the law.

(2) According to the collection plan and collection measures, maintain the field workload, find out the movements of non-performing loan households, and strive to seize non-collateral assets, and at the same time, pay attention to the timeliness of the original seizures.

(3) Strengthen business contacts with the collection department of the head office and the courts, planning and land bureaus and other functional departments, and timely feedback relevant posts in accordance with regulations.

(4) Do a good job in the transformation of employees' horizontal and vertical co-ordination positions and main co-organizer roles in specific events, advocate the spirit of cooperation, mutual cooperation and benign interaction, and have the courage to take responsibility.

Hubei Sub-branch Planning and Credit Division

January 10, 1998 (To be continued.) )