小额贷款公司全套运营管理制度

小额贷款公司全套运营管理制度
一、公司基本制度
,一，总经理岗位职责 (1)
,二，副总经理岗位职责 (2)
,三，业务管理基本制度 (3)
,四，公司考核办法………………………………………………10 二、贷款业务部
,一，贷款业务部部门职责…………………………………… .18
,二，贷款业务部部经理岗位职责 (19)
,三，贷款业务部部员工岗位职责 (20)
,四，贷前调查制度 (21)
,五，贷后管理制度………………………………………………26 三、风险管理部
,一，风险管理部部门职责 (29)
,二，风险管理部经理岗位职责 (30)
,三，贷款风险控制员岗位职责 (31)
,四，风险控制管理制度 (32)
,五，责任追究制度 (36)
1、贷款业务部责任追究制度实施细则 (36)
2、风险管理部责任追究制度实施细则 (37)
3、综合管理部责任追究制度实施细则 (38)
4、稽核财务部责任追究制度实施细
则 (38)
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5、贷款审批人责任追究制度实施细则 (38)
,六，贷款审批制度………………………………………………40 四、稽核财务部
,一，稽核财务部部门职责 (42)
,二，财务总监岗位职责 (43)
,三，财务管理办法 (44)
,四，财务管理及内部审计制度…………………………………50 五、综合管理部
,一，综合管理部部门职责 (55)
,二，综合管理部经理岗位职责 (56)
,三，综合管理部文员岗位职责.................................... .57 六、印章管理办法...............................................................60 七、办公管理制度...............................................................62 八、人事管理制度 (68)
-he social investment to the industry group, to achieve leveraging the development, ensure that the value of state, examination and approval procedures, strict regulation of economic activities, attract injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszons, effective integration of resources within the group, the city resources, other industries and regional resources, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further
broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, tnning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m2ote leapfrog development.o promolicy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the
country and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a high-t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke petition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen
the construction management personnel. Strengthen the management of education and training
一、公司基本制度
,一，总经理岗位职责
1. 主持公司的日常行政和管理工作,组织实施董事会决议。

2. 组织实施公司的年度经营计划和投资方案。

3. 拟订公司的基本管理制度,董事会批准后组织实施。

4. 拟订公司内部机构设置方案,董事会批准后组织实施。

5. 制定公司的具体规章。

6. 聘任和解聘除应由董事会聘任和解聘以外的管理人员。

7. 按照国家法律
法规和公司的管理制度,组织对员工的考核评议,
并决定薪酬奖惩、升降级。

8. 管理、防范、消除经营风险和其他相关风险,保证业务高质量。

9. 聘请律师、注册会计师和资产评估师担任公司的法律和财务顾问。

10. 定期向董事会报告贷款业务运行情况和财务收支状况。

11. 着力打造高素质、守法纪、重道德的经营管理班子和业务团队。

12. 公司章程规定和董事会授予的其他职权。

management personnel. Strengthen the management of education and training of cadres and workers of the existing business, fir owned assets.(five) to strengthen the construction-try group, to achieve leveraging the development, ensure that the value of stateation and approval procedures, strict regulation of economic activities, attract injection the social investment to the indus, examinwin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual
benefit, seeking winourceof the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand value, brand
atheir own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promot1and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax psly study the policy for policy. Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriouquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-the need of industrial development, vigorously the introduction of highthe ability to respond to market competition, improve management and operation of the market. At the same time, according to provemly establish the concept of the market, enhance
the sense of crisis to adapt to market competition, the sense of urgency, im
2
,二，副总经理岗位职责
1. 协助总经理管理公司相关日常事务。

2. 分管贷款业务部和风险管理部工作。

负责贷款业务管理制度和工
作流程的制订和完善。

3. 协助总经理制订和完善贷款审批制度,对参与审批的贷款业务负
责。

4. 负责贷款业务的营销管理和收贷收息管理工作。

5. 负责上级交代的其他
工作。

he social investment to the industry group, to achieve leveraging
the development, ensure that the value of state, examination and
approval procedures, strict regulation of economic activities, attract injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszons, effective integration of
resources within the group, the city resources, other industries and regional resources, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, tnning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl
plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m2ote leapfrog development.o promolicy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the
country and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a high-t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke petition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -
,三，业务管理基本制度
第一章总则
第一条为加强贷款业务管理,规范经营行为,防范资金风险,优化客户结构,提
高公司资产质量,根据国家有关法律依据,结合公司实际,制定本制度。

第二条本制度是公司经营和管理必须遵循的基本准则,是制定各类管理制度办法的基本依据。

第三条公司经营和管理必须坚持合法性,安全性,效益性和流动性相统一的原则。

第四条本制度所指业务是公司对客户提供的小额贷款发放和财务咨询服务。

第二章贷款管理业务组织体系
第五条实行审贷岗位分离的原则。

在办理贷款过程中,将调查、审查、审批、经营管理等环节的工作职责分解,由不同经营层次和不同部门部门承担,实现其相互制约和相互支持。

第六条按照‚横向平行制约?原则,设立业务营销部门和风险管理部门,成立贷
款审批,亦称评审，委员会。

业务营销部门承担贷款业务的开发、贷款产品的设计、业务的受理、调查、评估和审批后贷款业务的经营管理，风险管理部门承担贷
management personnel. Strengthen the management of education and training of cadres and workers of the existing business, fir owned assets.(five) to strengthen the construction-try group, to achieve leveraging the development, ensure that the value of stateation and approval procedures, strict regulation of economic activities, attract injection the social investment to the indus, examinwin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual
benefit, seeking winourceof the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand value, brand
atheir own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promot3and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax psly study the policy for policy. Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriouquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-the need of industrial development, vigorously the introduction of highthe ability to respond to market competition, improve management and operation of the market. At the same time, according to provemly establish the concept of the market, enhance
the sense of crisis to adapt to market competition, the sense of urgency, im
4
款业务的合法、合规性审查和整体风险的识别、控制,贷款发放前的资料复核,
参与不良贷款的追回和处置，稽核财务部门负责对发放资料稽核后放款，贷款审批委员会承担贷款业务的审议,并承担相应的审批责任。

第七条实行贷款审批委员会制度。

公司成立贷款审批委员会,,简称贷审会，贷审会是公司贷款业务决策的权利机构,审议贷款业务事项,对有权审批人进行制约及支持。

贷审会由董事会成员,独立董事长除外，总经理、主管业务的副总经理、财务
总监等人组成。

董事长为贷审会主任委员。

业务部经理可列席会议汇报相关情况,
但无表决权。

贷审会下设办公室,办公室负责人由风险管理部负责人兼任。

贷审会办公室负
责对所有贷款资料进行合法合规性初审,并负责整理成汇报资料贷审会审批。

贷审会实行以一人一票制表决,原则上有六位审批人参与即可召集开会,同意票
数达到实到人数五分之四以上,含五分之四，通过。

信用贷款全部通过贷审会审批，有足值抵押物、质押物的在250万授信内的贷款,以及保证、联保贷款在50万以内,含50万元，,由总经理召集副总经理财务总
监审批，保证、联保贷款在50万以上上报贷审会审批。

第八条实行经办责任人、风险主责任人、审批责任人三项终身责任制。

在贷
款业务办理过程中,调查、审查、审批、经营管理业务
-he social investment to the industry group, to achieve leveraging
the development, ensure that the value of state, examination and
approval procedures, strict regulation of economic activities, attract
injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszons, effective integration of
resources within the group, the city resources, other industries and regional resources, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, tnning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m4ote leapfrog development.o promolicy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the
country and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to
build a high-t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke petition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training
环节的有关人员为主责任人,具体承办人为经办责任人,相应承担各自责任。

每笔贷款审批决定中应明确该项业务的主责任人、风控主责任人、审批主责任人。

,具体审批办法参照公司审批制度，
第三章客户对象和基本条件
第九条本公司客户是在长沙市开福区内,经工商行政管理机关,或主管机关，
核准登记的企,事，业法人、其他经济组织、个体工商户或具有完全民事行为能力的自然人。

第十条客户申请贷款业务应具备以下基本条件,
,一，从事的经营活动合规合法，
,二，有良好的信用记录，
,三，有稳定的经济收入和良好的经营状况，
,四，除自然人和不需要经工商行政管理机关核准登记的事业法人外,应当经过工商行政管理机关办理工商年检手续。

特殊行业须持有相关职能部门机关颁发的许可证，
,五，提供符合规定条件的抵,质，押、担保。

第四章业务种类
第十一条公司贷款分为抵押贷款、质押贷款、保证贷款、联保贷款和信用贷款。

owned assets.(five) to strengthen the construction-try group, to achieve leveraging the development, ensure that the value of stateation and approval procedures, strict regulation of economic activities, attract injection the social investment to the indus, examinwin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winourceof the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand value, brand atheir own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promot5and
actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax psly study the policy for policy.
Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriouquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-the need of industrial development, vigorously the introduction of highthe
ability to respond to market competition, improve management and operation of the market. At the same time, according to provemly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, immanagement personnel. Strengthen the management of education and training of cadres and workers of the existing business, fir
6
,一，抵押贷款,是指按《中华人民共和国担保法》规定的抵押方式以借款人或第三人的财务作为抵押物发放的贷款。

办理抵押贷款,应对抵押物的权属、合法性、有效性和变现能力以及所设定抵押的合法性进行审查,签订抵押合同并办理抵押物的有关登记手续。

贷款额度按业务授权管理办法规定执行。

,二，质押贷款,是指按《中华人民共和国担保法》规定质押方式以借款人或第三人的动产或权利作为质物发放的贷款。

办理质押贷款,应对质物的权属和价值以及所设定质押的合法性进行审查,与质押人签订质押合同,并办理相关的登记或移交手续。

贷款额度按业务授权管理办法规定执行。

,三，保证贷款,是指按《中华人民共和国担保法》规定的保证方式以第三人承
诺在借款人不能偿还贷款时,按约定承担连带责任的保证贷款。

办理保证贷款,应对保证人保证资格、资信状况及还款能力进行审查,并签订保证合同。

,四，商户联保贷款是指由同一商业圈,如同一专业市场、协会、商会、写字
楼、企业家俱乐部，的私营企业或个体工商户,组成联保小组,互相提供担保,向我
公司申请贷款。

,五，信用贷款,信用贷款是指以借款人的信誉发放的贷款,借款人不需要提供
保证。

其特征就是债务人无需提供抵押品或第三方担保仅凭自己的信誉就能取得贷款,并以借款人信用程度作为还款保证的。

由于这种贷款方式风险较大,一般要对借款方的信用记录、经济效益、经营管理水平、发展前景等情况进行详细的考察,以
降低风险。

win principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszons, effective integration of resources
within the group, the city resources, other industries and regional resources, mutuasuit of stability and development of the market.(four)
to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, tnning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand
awareness, awareness oftheir own conditions to develop the correct road, the m6ote leapfrog development.o promolicy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the
quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a high-t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke petition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training -he social investment to the industry group, to achieve leveraging the development, ensure that the value of state, examination and approval procedures, strict regulation of economic activities, attract injection t
第五章贷款业务的操作管理
第十二条办理贷款业务要按权限、按程序运作。

第十三条办理贷款业务的基本流程,
一、首先由贷款业务部门接受客户贷款申请、受理并进行详细的现场调查,收集相关客户资料,形成贷款客户的贷前调查报告，二、接着由风险管理部门进行合法合规性审查,对相关风险重点进行审议和核查,通过公司的风控审查后,风险管理部门召集审批人进行审批,审批通过后风险管理部门应及时将审批结果返回业务部门，三、业务部门应落实审批结果中的相关条件、与客户签订贷款合同、担保合同,借款借据,移交财务部门发放贷款，
四、业务部门在贷款发放后七天内要对贷款业务进行第一次回访,并负责利息的催收和本金的按时回收及相应的管理。

第十四条单笔贷款额度不得超过公司注册资本的1%,同一贷款人累计余额不得超过公司注册资本的5%。

第十五条贷款定价贷款利率按政府部门的规定执行。

第十六条合同管理按规定使用统一制式的合同文本,对有特定要求的,也可以签订非制式合同文书,同时应通过法律审查。

贷款业务部签署的各种正式合同,一份由经办人员保管,一份交综合管理部归档管理。

第十七条经合同约定,客户可以提前归还贷款。

the need of industrial development, vigorously the introduction of highthe ability to respond to market competition, improve management and operation of the market. At the same time, according to provemly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, immanagement personnel. Strengthen the management of education and training of cadres and workers of the existing business, fir owned assets.(five) to strengthen the construction-try group, to achieve leveraging the
development, ensure that the value of stateation and approval procedures, strict regulation of economic activities, attract injection the social investment to the indus, examinwin principle, in the framework of
national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winourceof the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand value, brand atheir own conditions to develop
the correct road, the maximum to avoid investment risk, gain
profit.(three) vigorously promot7and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the policy of industrial development, financial investment policy, financial policy
and tax psly study the policy for policy. Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriouquality professional
management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-
8
第六章贷后管理
第十八条贷款业务发生后的检查业务发生后,业务部门要对客户执行借款合同、经营管理状况等方面情况进行经常性跟踪检查,并将相关情况报告主管副总经理,必要时向总经理和贷审会报告。

第十九条贷款展期贷款期限最长不超过12个月,客户不能按期归还贷款,应
在贷款到期之前15日内向公司提出续贷和展期申请。

续贷和展期不得低于原借贷
条件,展期最长为6个月,展期时客户应当结清前期利息和费用。

续贷的审批按贷款审批的程序办理。

第二十条建立贷款风险预警制度风险管理部门要对客户进行全面监控,当可
能出现或已经出现危及贷款安全的状况时,应及时向主管领导和总经理报告,在贷款事实风险形成前采取相应的防范措施。

第二十一条贷款违约处理客户未按照合同的有关约定履行义务,经双方协商
不能合理解决时,依法起诉。

第二十二条客户维护对客户要经常性保持联系。

提供方便服务,巩固、稳定
优良客户。

第七章附则
第二十三条本制度由长沙市开福区益商小额贷款有限责任公司制定、解释和
修订。

t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke petition, the sense of urgency,
improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and
training -he social investment to the industry group, to achieve leveraging the development, ensure that the value of state, examination and approval procedures, strict regulation of economic activities,
attract injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal
consultation-t, mutual benefit, seeking winl truszons, effective integration of resources within the group, the city resources, other industries and regional resources, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of
alienation and characteristics, tnning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m8ote leapfrog development.o promolicy, financial policy and tax policy, and actively
seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a high-
第二十四条本制度自董事会通过后执行。

贷款业务操作流程示意图,
企业或个人申请贷款申请书相关资料
受理登记表
贷款受理贷款业务部申请人资料，担保人\物资料
贷款前调查
风险审查风险管理部合法合规性审查
贷款审批贷款审批会贷款项目审批表
通知企业
签订借款借据
落实保证事项贷款业务部门签订贷款合同、保证
合同
计划财务部风险管理部稽核相关条件后放款
日常风险监管
贷款业务部检查报告、展期报告按时到期回收本和息贷款到期催收函
处置抵押物、贷款业务终止质押物，
追索保证人责任
项目收益评估贷款相关部门、
项目责任追究财务部门人员
try group, to achieve leveraging the development, ensure that the value of stateation and approval procedures, strict regulation of economic activities, attract injection the social investment to the indus, examinwin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winourceof the
market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand value, brand atheir own conditions to develop the correct road, the maximum to avoid investment risk, gain
profit.(three) vigorously promot9and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the policy of
industrial development, financial investment policy, financial policy
and tax psly study the policy for policy. Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriouquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-the need of industrial development, vigorously the introduction of highthe ability to respond to market competition, improve management and operation of the market. At the same time, according to provemly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, immanagement personnel. Strengthen the management of education and training of cadres and workers of the existing business, fir owned assets.(five) to strengthen the construction-
10
,四，公司考核办法
为全面完成董事会下达的经营目标,提高本公司的资金使用效率,在增加营业收
入的同时,严格控制业务风险,充分调动各个部门的积极性,特制定如下考核办法,
一、管理层的考核
1. 考核指标和权重
,1，资本回报率13%—15%。

占考核权重的45%。

,2，贷款损失率为0,占考核权重的45%。

,3，逾期一个月以上贷款占贷款余额不超过5%,占考核权重的10%。