Summary of Credit Department's Work

Model essay on work summary of credit department

Time flies and a piece of work is over. During this period, I made a lot of achievements in my work. I might as well sit down and write a work summary! I believe many friends don't know how to write the beginning of the work summary. The following is a summary essay of the work of the Credit Department I collected for your reference, hoping to help friends in need.

Summary of the work of the Credit Department 1 20xx, the Credit Management Department conscientiously implemented the spirit of the 20xx work conference of the sub-branch, closely focused on the various arrangements and requirements of the sub-branch, and took institutional reform as the driving force to further improve the incentive mechanism, clarify departmental responsibilities, improve execution and strengthen risk management. The work in the first half of this year is reported as follows:

I. Overall situation of work in the first half of the year

(1) credit management

1. Basic situation of credit operation. 20xx data at the end of June show that the balance of local and foreign currency loans of the Bank was billion yuan, an increase of billion yuan compared with the beginning of the year; Customers who have accepted the bank draft 1 account, and the acceptance balance 10000 yuan; The lending rate of outstanding customers reached 100%.

2. According to the requirements of the Notice on Doing a Good Job in Monitoring and Reporting Credit Risks of Loan Customers in Key Industries issued by provincial branches, the head office and branches of the Bank focus on monitoring corporate customers, and our department urges the heads of business departments of the company to investigate and understand the industrial policies, market changes and production and operation of enterprises every quarter, collect the latest financial statements of enterprises, and analyze and report the credit risk reports and monitoring forms of loan customers in key industries.

3. The credit management and sub-authorization management systems are well implemented. Our department strictly implements the relevant provisions on the management of sub-authorization, and does not approve and review loans beyond its authority. The loan review and the operation of the loan review meeting all meet the requirements of relevant systems. In this year's internal and external inspection, no related problems were found in the newly issued loans.

4. The loan review department separation system and the loan review meeting system were well implemented. In the first half of the year, the credit department standardized the process of issuing new loans, set up a loan review post, and strictly controlled the review to ensure the integrity and superficial standardization of credit information. Organize loan review meetings in time, hold three loan review meetings in total, and consider three projects involving RMB million and USD million. Among them: review the existing credit business with a line of RMB 10,000; RMB domestic performance guarantee, with an amount of RMB 10,000; Foreign-related performance bond, amounting to $ billion. All credit matters were reviewed in accordance with the prescribed scope, and daily work such as meeting minutes and sorting out meeting minutes was done well. The information of the loan review meeting is complete, and the review is standardized and efficient.

5. Strictly review the legal effect of credit business and loan contract. Legal review of the loan object, loan purpose, loan interest rate, loan method and loan contract, focusing on whether the guarantor who provides guarantee for the secured loan has the guarantee qualification and guarantee ability, whether the mortgage rate of the mortgage (pledge) reaches the specified proportion, and whether the mortgage (pledge) has gone through legal and effective registration procedures and is included in the post-loan management inspection.

6. Do a good job of risk warning. According to the detailed rules for the implementation of daily early warning of sub-branches, data should be checked every day, and early warning should be carried out irregularly. For loans due every quarter, a loan due notice should be sent to the front desk department to urge the account manager to recover the loans due on schedule. In the first half of the year, 8 reminders were sent and 2 reminders were sent for credit business.

7. Strengthen post-loan management. As required, the branch held an analysis meeting on post-lending management business, and made a post-lending management plan on a household-by-household basis.

8. Carefully identify and screen potential risk customers. According to the documents and system requirements of provincial branches, accurately grasp the core definition of potential risk customers and reasonably determine the list of customers that the Bank withdrew in that year.

9. According to the requirements of the provincial branch, complete and report all the work in the promotion stage, the work dynamics of the basic management of each business line of the branch and its own performance on time.

(2) Improve the regular meeting system of post-loan management and constantly improve the basic management of credit.

In order to further strengthen the post-lending management, since the Head Office issued the Measures for Post-lending Management of Banks in 20xx and officially launched it in 20xx, the leaders of the Bank attached great importance to it, organized the front desk account managers to seriously study the provisions of the Measures for Post-lending Management, and deeply understood and understood the new contents and requirements such as the post-lending management meeting system. And truly implement it in the daily work of credit management, strictly implement the provisions of the Measures, strengthen the sense of responsibility of account managers, and seriously standardize them. Two regular post-loan management meetings will be held in the first half of the year, and two regular post-loan management meetings have been organized in strict accordance with the requirements. A total of 1 100 million yuan loan is considered for corporate customers. Review individual employment personal loan customers and review the loan balance 1 100 million yuan. Review individual housing mortgage customers and review loan balance 1 100 million yuan. First, check and urge the front and back offices of credit to earnestly perform their post-loan management duties, conscientiously implement the provisions of post-loan management, gradually improve the requirements of customer classification management mode, and effectively improve the management level of key customers; Second, implement the post-loan management responsibility of account managers to customers, and strengthen the supervision of customers, risk classification, guarantors and collateral, regardless of the credit line size and management difficulty of customers; Third, further understand the customer's operating conditions, financial analysis and development prospects in a certain period of time, the risk changes of our credit business, the risk monitoring found by on-site inspection and online monitoring, and the risk early warning of risky customers, so as to improve the response speed of account managers to risk early warning information; The fourth is to highlight the key points of post-loan management, enhance the pertinence of management, ensure the effectiveness of risk control and improve asset quality.

(3) Do a good job in risk management in an all-round way and strengthen online credit monitoring.

1. Strengthen online monitoring of credit. Account managers, system administrators and risk managers will monitor online "double-line", pay close attention to major customer credit events, regularly analyze customers' post-loan risk status, write post-loan management reports, do a good job in classification, actively play the role of post-loan management subsystem as the main tool for post-loan management operations, and effectively prevent credit risks.

2. According to the arrangement of provincial branches, our department comprehensively promoted the rectification of problems found by the centralized audit of the Head Office in accordance with the schedule requirements. By the end of June, the rectification rate was 100%, which ensured the timely completion of the rectification work.

3. Earnestly perform the duties of the Risk Management Committee Office, clarify the post responsibilities of the risk manager, give full play to the role of risk and internal control positions, collect risk information of all lines, conduct analysis and research, hold regular risk management meetings in time, and submit a comprehensive risk analysis report of the whole bank in the first quarter of 20xx.

4. Timely and accurately complete the risk classification of corporate customers in the first quarter of 20xx, and ensure that the classification results accurately and objectively reflect the risk status of customers.

(4) Conscientiously implement the responsibility system for building a clean and honest government.

According to the requirements of the sub-branch, party member organized and studied the provisions, effectively strengthened the cultivation of party spirit and the construction of work style, raised the awareness of honesty, self-discipline and consciously accepting supervision, and further strengthened the construction of work style.

Second, the existing problems

Although some work has been done in the first half of the year, there are still some problems that cannot be ignored, including the following:

(A) the quality of the post-loan management plan is not high.

In the first half of the year, the provincial branch conducted an online inspection on the online performance of corporate customers' post-loan management and the entry of financial statements in 20xx 1 quarter. Through online inspection, it is found that although there are post-lending management schemes for credit customers managed by account managers, the quality is not high, some post-lending management schemes are incomplete, and even post-lending management reports are used instead of post-lending management schemes, so the system entry rate of post-lending management schemes is low.

(two) the credit funds are not tracked in time after use. After the borrower used our credit funds, the account manager failed to track the use of credit funds in time and fill in the payment heel.

(3) Regularly check the account books of the account funds, and the progress and quality of the on-site inspection by the account manager are not high. Although the monitoring ledger has been established for the enterprise, 4 households failed to maintain the monitoring ledger in time, and 1 household is incomplete; The number of on-site inspections should be 5, and the number of actual inspections should be 3.

(4) The customer review of the post-loan management meeting was not maintained in the system.

(5) Five households should be entered in the financial statement, but 1 household was not actually entered.

The main reasons for the above problems are: first, the connection with the superior business departments is not good enough, which leads to a large gap in some jobs and insufficient understanding of the importance of post-loan management; Second, as a functional department, the supervision and implementation of post-loan management at the front desk is not in place; Third, the understanding level of various rules and regulations is still insufficient, especially the understanding of new business is not deep, which leads to weak links in the operation process.

Summary of the work of the credit department: the three-month probation period is fleeting, as if I just received an email informing Mr. Yao of his job transfer yesterday. I have always laughed at myself as the most unprofessional judge, because even now I have never been to the group for formal evaluation, but every job I have done during this time has made me have different experiences and gains.

Credit investigation work

In the first ten months of 16, I became more mature and proficient as a credit investigator. It was also during this period that I was lucky enough to get the honors that all credit officers can get, such as credit star, credit expert and credit expert. For me, a credit investigator who started from 20xx, it is also a satisfactory ending.

996 project team

Since 1 1, I have the honor to participate in the new TSm project team to test the new system. After four months of project work, I not only have a deeper understanding of my own business, but also learn to cooperate, communicate and maintain.

A system involves a lot of content, including page traffic, policies and strategies, incoming reports and so on. So we must have a superior division of labor and cooperation. During the test, I mainly served as the leader of the page flow group. In addition to cooperating with the members of the group, I must also divide the work with the other two groups of colleagues to ensure that the whole system can run completely.

In the whole project, what I learned most was the communication process with my development colleagues. The difficulty of this project is that colleagues in the development department don't know much about our business. We need to convert our process strategy into system language, which is a great challenge to our business knowledge reserve and communication and expression ability. Fortunately, in the end, we continued to occupy the problems existing in the system in the communication and discussion with the development team.

The working mode of 996 is a great challenge for me, who seldom worked overtime before. Sometimes it's even after eleven o'clock when I get home, but in order to finish the project on time, every colleague of the project team has overcome all kinds of hardships and stuck to his booth to ensure the smooth progress of the project.

I have the honor to participate in this project, which has made a qualitative leap in all aspects of my ability, and also made me have a further understanding of the post of governance post. In addition to thinking more mature and comprehensive, it is more important to learn to contribute and sacrifice.

Newcomer education

From the end of February, I officially started my own teaching work.

In fact, the inner pressure of teaching is great, because the growth of new people and the influence of teaching are different. My understanding is that as a teacher, you must first have a solid professional level, because you must have enough authority at the professional level, so that newcomers will be convinced of you and listen to your suggestions carefully.

Secondly, I think measures are very important, such as time management, teaching students in accordance with their aptitude and so on. If you just look at the returned part blindly, it will not play a very good role.

Finally, the mode of getting along with new people. I've always wanted to establish a relationship with new people who are both teachers and friends. Newcomers who have just left school and entered the society have many ideas of their own, so they can make friends with them for better governance and communication. In fact, I think it can be summed up in one word: trust. Mutual trust ability forms an advantageous growth trend.

It is expected that I will be engaged in the teaching of newcomers for a long time this year. I also hope that I can sponsor newcomers to adapt to the work situation and master the credit information skills, and I can also sponsor the team leader to manage the affairs of newcomers.

Positive testimony

Many times I wonder, what does a management position really mean? After a three-month probation period, I began to understand that this means a responsibility and a responsibility. In the project team, we should have the responsibility to do a good job in the system, be responsible for the newcomers, and take good care of them. No longer just play the role of doing your own job.

Xiongguan road is as iron as iron, and now it is still one step away from the beginning. The three-month probation period is coming to an end. As a re-examination, I hope I can exert my greatest strength no matter what I do in my post in the future. In my future work, I will think more, summarize more, keep learning, learn to look at problems from the perspective of others, and become a doubly responsible person.

Summary of the work of the credit department 3 I. Main work

(1) Labor and capital

1, complete the transfer reconciliation of provident fund account. Due to the change of the management mode of Taiyuan Housing Provident Fund Management Center, our employees' provident fund must be transferred from ICBC to CCB, which requires a lot of formalities. First, the balance of each employee's provident fund should be reconciled with the ICBC Provident Fund Center. I registered and checked each employee's provident fund account and informed each employee to further confirm and sign. Then check the provident fund balance of each employee with the provident fund center. After checking, I exported the work of transferring money to open an account. In the process of handling, due to the concentration of handling, I had to queue up all morning to catch up early, and I couldn't drink a mouthful of water. Finally, I successfully completed the transfer of office provident fund, ensuring the normal deposit and withdrawal of employee provident fund. At the same time, it also handled the transfer of employee provident fund and the withdrawal of five employee provident funds. In particular, the transfer procedure is very troublesome and consumes a lot of time and energy.

2. Completed the 20xx annual inspection of provincial social security, municipal social security and municipal unemployment insurance centers, and approved the payment base and payment, and reported all kinds of statements of the above departments on time. This is a very time-consuming, laborious and energy-consuming job. This work is characterized by tight time, strict requirements, strong policy and complicated operation. You must devote yourself wholeheartedly, and a little carelessness will bring trouble to the interests of the office and employees. Therefore, I want to do every job carefully, not only to comply with the policy, but also to try my best to save personnel costs for the office. With the support of the office and department leaders, I finally finished this work and paid all kinds of social insurance at the specified time.

3. Pay salaries and allowances of all kinds of personnel on time and accurately.

(2) personnel

1. The labor contracts of 14 registered employees were signed according to the new Labor Contract Law.

2. Completed the normal salary adjustment once every two years and paid it on time.

3. Completed the position and salary promotion of two comrades;

4. Signed a file custody agreement with the provincial talent exchange center for six employees, and signed a labor contract with six employees after verification by the talent exchange center.

5. Signed two labor contracts with five project contract employees.

6. Drafted and revised the office work attendance rules, discussed and revised them many times, and finally implemented them in July of 1 year, which strengthened the office labor discipline management. At the same time, eight documents were drafted in the first half of the year.

7. Submit the 20xx annual work report of the headquarters and various statements and reports required by the Human Resources Department of the headquarters in 20xx.

8. In the company's new human resources system, a lot of information needs to be re-entered. With the cooperation of the office leaders and all the staff, I worked overtime to complete the information entry on time with good quality and quantity.

(3) evaluation.

1. Assist the office leaders to organize the 20xx annual staff debriefing meeting, maintain the online evaluation system of the headquarters, organize all employees to conduct online evaluation, and report the 20xx annual staff evaluation report to the human resources department of the headquarters.

2. Completed the distribution of general manager funds in the office in 20xx and 20xx. This job looks simple, but it is a lot of work. Each employee should write a notice according to the project and give a notice to the finance department at the same time, with a total of 66 person-times, 102 projects 132 notices. Since 20xx, we have checked the general manager's funds with the finance department one by one, made clear the extraction and use of the general manager's funds, and established the general manager's fund ledger on the basis of the check. In order to standardize the use of general manager's funds, we drafted the Measures for the Management of General Manager's Funds in Taiyuan Office.

3. According to the assessment method of the office, calculate and distribute the annual assessment salary and bonus of 20xx. This job is easy to say and troublesome to do. In order to ensure the accuracy of the data, the workload of repeated calculation and verification is also quite large.

(4) training.

Completed various video trainings organized by the headquarters.

(5) Other aspects.

1, Comrade Han Yuguo was seconded to work in the headquarters, and I undertook the daily work of the Party Committee Organization Department and the recording of various meetings in the office.

2. Cooperate with the office to complete the inspection work of the headquarters, banking regulatory bureau and other departments, adjust documents and check information.

3. Complete other tasks assigned by the office and department leaders.

Second, study.

20xx is a year of office transformation and development. In order to meet the needs of office development, I have carefully studied the relevant business knowledge, especially the knowledge of leasing and trust. Adhere to all kinds of training organized by the office, listen carefully after class and concentrate on learning. I have made great progress in my new career. Although I didn't get any qualification certificate, I also enriched a lot of new things and laid the foundation for developing new business opportunities in the future.

Three. Existing shortcomings and future work

Summarize your thoughts, work and study in the past year, and calm down to think about your main problems or ideological problems. I always thought that I was afraid of difficulties because I was old, uninterested in anything and lacked self-confidence. I think this is the most fundamental ideological problem. In the new year, I must rebuild my confidence, because I know that my working hours are getting less and less. I realize that time is precious, so I know how to make better use of it. So I will definitely strengthen my study, work hard, enrich myself and make new contributions to the development of the office.

Summary of Credit Department's Work in 20xx years, under the correct leadership of city branches and county sub-branches, the Credit Department firmly established the business philosophy of Scientific Outlook on Development and sustainable development, closely focused on business objectives, adhered to legal compliance and prudent operation, made every effort to expand credit scale, strictly controlled credit risks, further optimized the quality of credit assets, and promoted the sound and rapid development of credit business. The work in 20XX and the working ideas in 20XX are reported as follows:

I. Completion of business operation indicators

1, business development

As of 165438+ this year1October 30, the bank has issued loans of RMB 10,000. Among them, the rural cooperative loan is X, the amount is X million yuan, and the balance is X, the amount is X million yuan; Merchants jointly guarantee loans of X million yuan, with the balance of X loans of X million yuan; X small loans for farmers, with the amount of X million yuan, and the loan balance of X loans, with the amount of X million yuan; Small loans for merchants with an amount of X million yuan; X. Personal business loans with the amount of10,000 yuan and the balance of10,000 yuan. There are x loans with a balance of X million yuan. The loan amount accounts for X% of the annual planned loan amount of X million yuan. In addition, X certificates of deposit were issued, amounting to X million yuan; Balance pen, balance x ten thousand yuan.

2. Work efficiency

The loan interest income this year is10,000 yuan, and the accumulated interest income is10,000 yuan, and the interest recovery rate is above%.

Second, the work measures and development

(A) improve ideological understanding, and firmly establish a sense of "compliance" management.

This year, under the organization of provincial branches and municipal banks, we will continue to strengthen the learning of credit practitioners' business knowledge, educate employees to establish a sense of compliance management, and issue loans in strict accordance with loan operation procedures and management measures; At the same time, strengthen the supervision of the operation behavior of credit personnel, promote the transparency of credit operation, avoid black-box operation, and truly make the system inflexible and operate according to the rules; Strengthen employees' professional ethics education, enhance employees' sense of responsibility and dedication to work, and make it a conscious action of all employees to conscientiously perform their duties and guard against credit asset risks, so as to achieve the purpose of preventing loan risks.

(2) Taking "risk control" as the core, comprehensively resolving credit risks.

1. Take basic management as a breakthrough to avoid risks in operation. Through the five-level classification of loan risks, find out the shortcomings and gaps in credit management, promote the implementation of the "three checks" system of loans, and lay a solid foundation for comprehensively strengthening credit management, establishing a risk-based business philosophy and prudent business awareness; At the same time, timely reporting of credit statements, compliance risk assessment and scoring, and monitoring of new non-performing loans were completed.

2. Under the premise of strengthening responsibilities, earnestly carry out post-loan inspection activities.

First, the credit department writes a written post-loan inspection report every month to rectify the problems detected in time;

Second, log in to the credit management system of the People's Bank of China in time to understand the credit status of customers, improve the early warning ability of loan risks, and effectively prevent loan risks.

3. Strictly implement the loan accountability mechanism for the purpose of implementing the system.

First, the violations of rules and regulations of relevant personnel in the process of loan issuance and management were investigated. No matter whether it caused risks or losses, a total of three people were investigated for responsibility.

Second, for loans overdue for more than ten days (including three non-performing loans), the audit team led by the Credit Department will analyze the specific reasons, identify the responsibilities, and make punishment, rectification and accountability in place.

4, people-oriented, and constantly strengthen the construction of credit talents.

First, the provincial bank conducts credit legal knowledge training for the county's credit personnel;

Second, all credit practitioners have participated in microfinance, personal business loans and second-hand housing loans.

Training, and obtain a certificate; And participated in the credit business knowledge examination organized by the city branch. Through continuous training and assessment, the quality of credit personnel has been effectively improved.

(3) Taking the opportunity of launching new business, continuously adjust the credit structure.

At present, among the loans issued by the Bank, microfinance accounts for the absolute majority, and personal business loans account for a small proportion. There is no second-hand housing loan, and small business loan business is currently being started. Therefore, banks try to take this opportunity to constantly adjust the credit structure. That is, to ensure the strategic brand position of microfinance in our credit products; At the same time, strive to expand commercial loans and strive for a new level of commercial loans; Strive for a zero breakthrough in second-hand housing business and establish a good starting platform for small business loan business.

Third, the main work carried out in detail.

(1) Microfinance.

Actively contact with local governments and strive to develop small business loans. Docking with Qinghe Township Government of Huaining County and signing a memorandum of cooperation; Successfully participated in the "Seventh Bank-Enterprise Fair in Huaining County" and issued a small business loan of 20 million yuan; Actively carry out the "100-day marketing campaign for two small loans" and fully complete the micro-loan distribution plan;

(two) the establishment of credit towns and demonstration markets.

Make a plan, set up a leading group, do a good job in market research and determine the demonstration market. At the same time, actively carry out the construction of credit towns and villages. At present, five credit villages and two credit towns have been built; At the same time, cooperate with the county government and the county people's bank to carry out the construction appraisal activities of "rural youth credit demonstration households";

(C) the development of project marketing

Actively carry out the marketing activities of micro-loan projects, seriously investigate and visit the auto parts market in Gong Jin Town, Huaining County, the plate market in Mamiao Town and the building materials market in Yueshan Town, and declare the marketing project of "Gong Jin Auto Parts";

(4) Risk management and control

Do a good job in risk control, actively communicate with the county court, and recover the overdue loan of X million yuan; Actively cooperate with the compliance department to do a good job in risk assessment. Complete all inspection and evaluation tasks on time.

(5) Broaden publicity channels and expand social influence.

Actively carry out business publicity activities, broaden publicity channels, and use county TV stations to carry out business publicity such as "two small loans", which has played a good social effect; Actively organized customers to participate in the "Wealth Creation Competition" and achieved good results. In the competitions organized by Anqing City in June 5438+065438+1October 12 and June 5438+03, four of the six players recommended by our bank entered the finals.

Fourth, the existing problems

Looking back on the work in the past year, although some achievements have been made, there is still a big gap with the requirements of provincial and municipal banks, mainly in:

First, the quality of credit practitioners needs to be further improved, with insufficient ideological understanding, self-pressure and market competition awareness; Most credit practitioners know little about the operation of credit risk system;

Second, the quality of credit assets needs to be improved, the ability of pre-loan investigation needs to be improved, and some branches still have illegal operations, such as splitting loans into parts;

Third, the post-loan management and approval system needs to be further implemented; Fourth, customer maintenance with good credit needs to be strengthened.

Verb (abbreviation of verb) Work plan for 20XX years:

In view of the problems existing in this year's credit work, the Bank will continue to strengthen credit management, standardize credit operation behavior, further increase credit for supporting agriculture, and strive to reduce and collect non-performing loans to achieve a virtuous circle of credit assets in accordance with Scientific Outlook on Development.

1. Continue to strengthen the management and education of credit practitioners.

In my opinion, the key to improving the quality of credit business is to improve the ideological quality and business skills of credit practitioners, implement the management idea of "people-oriented", do a good job of people, and formulate reasonable study and education plans and practical measures, instead of

Under the premise of not affecting the normal business work, actively carry out ideological and political work and study and education activities for credit practitioners, correct their thinking, enhance their sense of responsibility, learn relevant rules and regulations and business knowledge, and improve their business skills and comprehensive quality. We can learn from the "three stresses" education experience to carry out similar learning and education activities, strengthen the assessment, link the learning effect with wages and funds, and strive to create a positive learning atmosphere.

2, scientific development, overall consideration, and further increase the intensity of credit marketing.

Continue to increase investment in loans for agriculture, rural areas and farmers. Strengthen farmers' awareness, further expand micro-loans such as joint guarantee and guarantee for farmers/merchants, gradually try to start small business loans, effectively solve the loan problems of farmers, self-employed and small enterprises in rural areas, firmly take root in rural areas, strive to expand the market share of micro-loan retail business, and increase the authorized credit line for outstanding customers.

3. Implement the system, strengthen the accountability mechanism, and comprehensively resolve the credit risk.

In view of the non-performing loans formed by different borrowers, analyze their causes, find effective assets or repayment sources, pursue them closely, and take all legal means to minimize loan losses; Strengthen the "three checks" on loans. Clear the responsibility of collection, prohibit lending to individuals or enterprises with poor credit or high risk, change the idea of attaching importance to lending but neglecting lending, strengthen post-lending inspection, find out the expanding trend of loan risk in time, and put an end to new non-performing loans. If new non-performing loans occur due to lack of due diligence, strengthen the identification of responsibilities to ensure the safety of new loans; Strict assessment, further optimize the assessment mechanism of loan officers, and unify the quality and quantity of loan officers' business completion with the comprehensive consideration of performance.

4. Strengthen management and guidance to further improve the performance of the credit department.

Strengthen management, focusing on system implementation management and employee management, and strengthen inspection and supervision of system implementation; Strengthen guidance, focus on loan placement and risk management, thoroughly study the risk points in various business products, and effectively prevent risks.

In short, in the credit work in 20XX, we will closely focus on the goal of making small and micro-finance bigger and stronger and optimizing the credit structure, strengthen the construction of credit management system, highlight the monitoring of non-performing loans, effectively resolve the risk of credit assets, and push the credit work to a new level.

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