1. Take credit risk prevention as the first signal, select high-quality customers as the first guide, give priority to supporting the state to encourage the development of industries, and take customer satisfaction as the first standard.
2. Lending is not a right, but a means of making profits.
3. When deciding to issue a loan, the best test is, if you have money, will you lend it to the borrower?
4. The quality of credit assets depends largely on our subjective efforts and work efficiency. Regarding the quality of credit assets, whether to do or not to do work, whether to be responsible or not, and whether to take the initiative or wait are all different. Therefore, it is not only the embodiment of management ability and level, but also the deepening of sense of responsibility and professionalism. In this sense, non-performing loans are "springs", and you are strong and weak. If we work hard, non-performing loans can be reduced to a reasonable level in line with the level of business development and operating environment, otherwise it will continue to expand and become a "black hole", devouring all the assets of the bank.
5, credit funds are not spilled on the earth, but love, never learn from Mr. Nanguo, knowing that there are tigers in the mountains, preferring to travel in the mountains.
6. Five-level loan classification can only solve the standardized management, but not the loan risk.
7. Banks must not lose the familiar market to find the market, and lose their own advantages to find the advantages of lending.
8. To do a good job in credit management, we should grasp the key points in the competitive market, strive for initiative in passivity, and improve efficiency in standardized services.
9. The biggest risk of loan marketing is that one person has the final say.
10. In loan marketing, we should be close to customers emotionally, take customers as the center in decision-making, and think about customers at work.
1 1. Loan marketing follows the market, service functions focus on demand, and loan products focus on customers.
12. Think more about your obligations in front of the post, think more about your responsibilities in front of the power, and regard the process of exercising power as a process of being responsible for the organization, yourself, the party and the people.
13, loan performance appraisal cannot be across the board, and both developed and underdeveloped regions should not take profit as the standard.
14. The foreground of credit is to prevent risks, the background of credit is to control risks, and customer risk management is to reduce risks.
15, "three tricks" of loan marketing, depending on how much money the enterprise can earn, how long the enterprise can earn, and how much risk the bank has to bear.
16. Strengthen the adjustment of credit structure, pay attention to the total credit control of a single industry, pay attention to the reasonable control of credit increment among industries, regions and customers, and bring all risk management subjects, every management link and all business activities of loan customers into the credit management system.