Henan Branch Of Xinxiang Branch Of Agricultural Development Bank'S Credit Archives Management Has Reached A New Stage.

In recent years, the Xinxiang branch of Henan branch of Agricultural Development Bank has done a good job in organizing and carrying out the management of credit archives according to the requirements of the standardized credit archives management issued by the head office. The leadership of the bank has made it an important part of the work through standardizing credit archives management and strengthening financial risk prevention, and organized the whole bank to further understand the spirit and unity of the head office documents. thought To raise awareness and scientific management, the bank's credit archives management level and the use of credit archives monitoring and loan operation capabilities have been greatly improved, and credit archives management has reached a new level.

everything Leader Attach great importance to. Credit archives are documents used to record and reflect the whole process of credit business and credit customer relationship, and have the value of preservation. They are credentials for debtor and creditor relationship between banks and customers, and are important legal basis for bank credit assets protection. Credit archives management is an important basic information management work. It is an important part of the archives of the financial system. Yes? We should effectively improve the quality of credit assets and credit management, effectively prevent loan risks, and promote the effective and stable development of credit business. In order to effectively and orderly conduct credit archives arrangement, the bank set up a leading group of credit archives, which is responsible for collating credit files.

The two is the unity of workers' minds. Marked by the "Interim Measures for the management of credit archives of the Agricultural Development Bank of China" issued by the head office, the credit archives management of the Agricultural Development Bank has entered the stage of standardized management. This year, the whole bank not only watches the video courseware of head office, but also studies the archives management knowledge of the Agricultural Development Bank of China, and the newly revised Interim Measures for the management of credit archives of the Agricultural Development Bank of China. Through study, the whole line of archival work personnel skillfully mastered the basic knowledge and operation essentials of credit archives management, and the staff's importance to credit archives has a unified understanding in mind.

The three is strictly collecting and collation of credit files according to the business process. The Interim Measures for the management of credit archives of the Agricultural Development Bank of China expand the scope of filing credit files and clarify the principles and methods for the management of credit archives. In order to facilitate the smooth progress of archival filing, the bank held a special meeting on credit archives arrangement in time. According to the process of archiving and sorting, the members of the archives working group were divided into working groups such as collating, standardizing information, cataloging, packing and arranging shelves. For the sake of management convenience, the archives will be divided into four categories: customer credit files, customer management information files, bank internal operation archives (grain and cotton, risk category), Bad Debt Loan cancellation files, etc., with clear archives. In order to better serve and manage customers, the bank pays close attention to the credit situation of customers, sets up a mechanism, and promptly grasps and collects and updates the update of customer information, so as to ensure the integrity and value of customer information.

The four is to develop a performance appraisal plan scientifically. In order to ensure the completion of archival collation with high standards, the bank adopts monthly notification and weekly review system, commends the group that has finished the work ahead of time, criticises the working group that cannot be completed according to the scheduled plan, and links it with the merit pay. Commending the typical cases of scientifically using credit archives to prevent risks and service enterprises' development. The correct application of positive and negative incentive measures such as "typical promotion" has set up a working atmosphere of catching up with each other in the whole bank. To some extent, it has provided support and services for better strengthening credit management and leading business decisions.