贷款资料如何进行管理?
答案:(1)农户经济档案和小额信用贷款档案要按户建立,按村屯归档;
(2)农户联保贷款档案要按联保小组建立,按村屯归档;
(3)城镇个体工商业户联保贷款档案,要按联保小组建立,按贷款发生先后时间归档;
(4)其它贷款档案管理,要按贷款发生先后时间逐笔按户建档,分贷款种类归档管理。
贷款资料管理的标准是什么?
答案:1、贷款档案资料要分别立卷,分类装订,专人专柜保管,随时补充;
2、必备的贷款资料(贷款合同、借据等)要按统一设计的文本表格填写,做到字迹清晰、数字准确、内容完整;
3、贷款档案资料的内容要齐全,对另行管理的贷款重要证件,要通过复印件的形式在档案中全部体现
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