控风险、强贷后、重化解——海东市分行召开2018年4季度贷款大户风险分析会议

美友9943379

<h3><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">&nbsp; &nbsp; &nbsp; 为进一步强化信贷风险管控,提升信贷管理能力,</span></span><span style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); -webkit-text-size-adjust: auto;">提升信贷工作管理精细化水平</span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); font-size: 16px; white-space: normal; line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">,推动我行信贷业务健康快速发展,</span></span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); font-size: 16px; white-space: normal; line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">2019年1月31日</span></span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); font-size: 16px; white-space: normal; line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">总行</span></span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); font-size: 16px; white-space: normal; line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">信贷管理部总经理助理宋永玲</span></span><span style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); -webkit-text-size-adjust: auto;">和各条线负责人莅临海东市分行,指导业务,并参加了大户风险分析会议</span><span style="font-size: 1.5em; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px; white-space: normal;">,会议由分行行长助理苏永清同志主持,市场部负责人、合规风险部负责人及大户管户客户经理等参加了会议。</span></h3> <p class="s4" style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 21.600000381469727px; text-indent: 32px; text-align: justify; font-size: 18px;"><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">本次会议主要是</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">对</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">我行</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">重点监控类</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">贷款大户</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">进行全面分析,提出风险管控意见。</span></span></h3> <h3><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">&nbsp; &nbsp; &nbsp;会上,管户客户经理</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">从企业基本情况、财务状况、项目概况及进展、融资情况、风险判断、风险管理履职情况等方面</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">详细汇报贷款大户风险状况</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">。</span></span><br></h3> <h3><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">&nbsp; &nbsp; &nbsp; 苏永清同志</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">重点从企业主营业务和规模、行业地位、受行业政策影响、竞争力和市场规模,</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">做了补充分析,针对我行风险贷款客户在清收过程中存在的问题与</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">信</span></span><span class="s2" style="font-size: 16px; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; text-align: justify; text-indent: 32px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">贷管理部总经理助理宋永玲进行了详细探讨。</span></span><br></h3> <p class="s5" style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 21.600000381469727px; text-indent: 32px; text-align: justify; font-size: 18px;"><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">听取汇报后,信贷管理部总经理助理宋永玲同志就分行目前的不良贷款情况提出了三点要求:</span></span></h3><p class="s5" style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 21.600000381469727px; text-indent: 32px; text-align: justify; font-size: 18px;"><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">(一)针对实际,抓住要点。</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">在风险可控前提下建立多渠道、多元化清收体系,</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">结合</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">实际</span></span><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">制定实施行之有效的清收措施,稳妥有序化解不良贷款。</span></span></h3><p class="s5" style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 21.600000381469727px; text-indent: 32px; text-align: justify; font-size: 18px;"><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">(二)风险预判,提前决策。</span></span><span style="font-size: 17px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); -webkit-text-size-adjust: auto;">根据对客户风险要点的综合分析,及时发现风险征兆</span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">,结合我行贷款</span></span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">实际情况</span></span><span class="s2" style="-webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">,在贷款风险暴露前及时决策,防患于未然。</span></span></h3><p class="s5" style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); line-height: 21.600000381469727px; text-indent: 32px; text-align: justify; font-size: 18px;"><span class="s2" style="line-height: 19.200000762939453px; font-family: 仿宋_GB2312; font-size: 16px;"><span class="bumpedFont15" style="line-height: 28.799999237060547px; font-size: 1.5em;">(三)重点监控,跟踪落实。对风险预判发现的潜在风险较大、风险判断及防控措施不当的客户,要连续监控,跟踪落实风险监控措施。</span></span></h3> <p style="font-family: -webkit-standard; white-space: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.301961); -webkit-text-size-adjust: auto;">&nbsp; &nbsp; &nbsp; 最后,苏永清同志代表海东市分行表达了攻坚克难,迎难而上,勇于担当,全面化解风险的决心,继续按照“谁产生风险、谁化解风险”原则,进一步明确在信贷全流程管理工作中应承担的责任,采取上下联动、双管齐下压实责任清收的方式,层层成立工作小组、层层分解清收任务、层层明确清收措施,确保我行信贷资金的安全。</h3> <h3>制作人:张宝林</h3><h3>审核人:辛生花</h3><h3>审签人:苏永清</h3>

风险

清收

我行

永清

信贷管理

分行

大户

宋永玲

海东

助理