郓城农商银行聚焦“三强化”举措，全面推动信贷管理提质增效

Core Viewpoint - Yuncheng Rural Commercial Bank is focusing on high-quality development by enhancing credit management, emphasizing risk control and efficiency improvement through team building, process optimization, and supervision [1] Group 1: Strengthening Team Competence - The bank has established an integrated training mechanism to improve compliance and risk identification capabilities among credit personnel through online and offline methods, conducting a total of 6 training sessions [2] - A certification system for credit positions has been implemented, requiring new employees and customer managers to pass qualification exams before assuming their roles [2] - Monthly warning education sessions are held, covering typical cases of credit inspections to strengthen compliance awareness among all credit staff [2] Group 2: Institutional Empowerment - The bank has revised its post-loan management implementation details to standardize processes and quantify inspection frequency, content, and operational points [3] - A dual-person collaborative inspection mechanism has been implemented for post-loan checks, enhancing the accuracy of risk prevention by cross-verifying loan fund flows and borrower conditions [3] - The post-loan management operates under a dual-line parallel mechanism, with the post-loan inspection center and branches conducting checks simultaneously to improve risk warning and handling capabilities [3] Group 3: Deepening Supervision and Assessment - A checklist-based supervision approach has been adopted, with the central inspection team conducting monthly checks on post-loan management quality, achieving a 98% completion rate for rectification of identified issues [4] - A reward and punishment assessment system has been established, rewarding managers from 5 advanced branches and holding accountable the responsible persons from 2 underperforming branches [4] - Special inspections have been conducted to address inadequate post-loan management by certain customer managers, ensuring accountability and rectification [4] - The bank plans to enhance credit management efficiency by transitioning from manual to technology-driven risk control, focusing on digital risk management [4]