1、小额贷款公司全套运营管理制度一、公司基本制度 ,一，总经理岗位职责1 ,二，副总经理岗位职责.2 ,三，业务管理基本制度.3 ,四，公司考核办法10 二、贷款业务部 ,一，贷款业务部部门职责 .18 ,二，贷款业务部部经理岗位职责19 ,三，贷款业务部部员工岗位职责20 ,四，贷前调查制度21 ,五，贷后管理制度26 三、风险管理部 ,一，风险管理部部门职责29 ,二，风险管理部经理岗位职责30 ,三，贷款风险控制员岗位职责31 ,四，风险控制管理制度32 ,五，责任追究制度36 1、贷款业务部责任追究制度实施细则.36 2、风险管理部责任追究制度实施细则.37 3、综合管理部责任追究制度实施
2、细则.38 4、稽核财务部责任追究制度实施细则.38 2 5、贷款审批人责任追究制度实施细则38 ,六，贷款审批制度40 四、稽核财务部 ,一，稽核财务部部门职责42 ,二，财务总监岗位职责43 ,三，财务管理办法44 ,四，财务管理及内部审计制度50 五、综合管理部 ,一，综合管理部部门职责.55 ,二，综合管理部经理岗位职责.56 ,三，综合管理部文员岗位职责 .57 六、印章管理办法60 七、办公管理制度.62 八、人事管理制度68 -he social investment to the industry group, to achieve leveraging the develop
3、ment, ensure that the value of state, examination and approval procedures, strict regulation of economic activities, attract injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszo
4、ns, effective integration of resources within the group, the city resources, other industries and regional resources, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive stren
5、gth, walking business road the competition of alienation and characteristics, tnning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive stren
6、gth. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m2ote leapfrog development.o promolicy, financial policy and tax policy, and actively
7、seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about so
8、cial support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhance core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a h
9、igh-t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke petition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept
10、of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training 一、公司基本制度 ,一，总经理岗位职责 1. 主持公司的日常行政和管理工作,组织实施董事会决议。 2. 组织实施公司的年度经营计划和投资方案。 3. 拟订公司的基本管理制度,董事会批准后
11、组织实施。 4. 拟订公司内部机构设置方案,董事会批准后组织实施。 5. 制定公司的具体规章。 6. 聘任和解聘除应由董事会聘任和解聘以外的管理人员。 7. 按照国家法律法规和公司的管理制度,组织对员工的考核评议,并决定薪酬奖惩、升降级。 8. 管理、防范、消除经营风险和其他相关风险,保证业务高质量。 9. 聘请律师、注册会计师和资产评估师担任公司的法律和财务顾问。 10. 定期向董事会报告贷款业务运行情况和财务收支状况。 11. 着力打造高素质、守法纪、重道德的经营管理班子和业务团队。 12. 公司章程规定和董事会授予的其他职权。 management personnel. Strength
12、en the management of education and training of cadres and workers of the existing business, fir owned assets.(five) to strengthen the construction-try group, to achieve leveraging the development, ensure that the value of stateation and approval procedures, strict regulation of economic activities,
13、attract injection the social investment to the indus, examinwin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, see
14、king winourceof the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market infl
15、uence and coverage of the brand, the implementation of key breakthroughs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand
16、value, brand atheir own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promot1and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the p
17、olicy of industrial development, financial investment policy, financial policy and tax psly study the policy for policy. Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need
18、of market competition.(six) seriouquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-the need of industrial development, vigorously the introduction of hight
19、he ability to respond to market competition, improve management and operation of the market. At the same time, according to provemly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, im 2 ,二， 副总经理岗位职责 1. 协助总经理管理公司相关日常事务。 2. 分管贷款业务部
20、和风险管理部工作。负责贷款业务管理制度和工作流程的制订和完善。 3. 协助总经理制订和完善贷款审批制度,对参与审批的贷款业务负责。 4. 负责贷款业务的营销管理和收贷收息管理工作。 5. 负责上级交代的其他工作。 he social investment to the industry group, to achieve leveraging the development, ensure that the value of state, examination and approval procedures, strict regulation of economic activities,
21、 attract injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszons, effective integration of resources within the group, the city resources, other industries and regional resources
22、, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, tnning, packaging and publicity of a n
23、umber of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously promote the brand
24、. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m2ote leapfrog development.o promolicy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the country and the X
25、X policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading ability, enhanc
26、e core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a high-t. At the same time, according to the need of industrial development, vigorously the introduction of highmarke p
27、etition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five) to strengthen
28、the construction management personnel. Strengthen the management of education and training - ,三，业务管理基本制度 第一章 总则 第一条 为加强贷款业务管理,规范经营行为,防范资金风险,优化客户结构,提高公司资产质量,根据国家有关法律依据,结合公司实际,制定本制度。 第二条 本制度是公司经营和管理必须遵循的基本准则,是制定各类管理制度办法的基本依据。 第三条 公司经营和管理必须坚持合法性,安全性,效益性和流动性相统一的原则。 第四条 本制度所指业务是公司对客户提供的小额贷款发放和财务咨询服务。 第二章
29、 贷款管理业务组织体系 第五条 实行审贷岗位分离的原则。在办理贷款过程中,将调查、审查、审批、经营管理等环节的工作职责分解,由不同经营层次和不同部门部门承担,实现其相互制约和相互支持。 第六条 按照横向平行制约?原则,设立业务营销部门和风险管理部门,成立贷款审批,亦称评审，委员会。 业务营销部门承担贷款业务的开发、贷款产品的设计、业务的受理、调查、评估和审批后贷款业务的经营管理，风险管理部门承担贷management personnel. Strengthen the management of education and training of cadres and workers of t
30、he existing business, fir owned assets.(five) to strengthen the construction-try group, to achieve leveraging the development, ensure that the value of stateation and approval procedures, strict regulation of economic activities, attract injection the social investment to the indus, examinwin princi
31、ple, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-s within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winourceof the market.(four) to promote the integration of resour
32、ces. To further broaden their horizons, effective integration of res e strength, walking business road the competition of alienation and characteristics, the pursuit of stability and developmenttitiva number of unique, market influence and coverage of the brand, the implementation of key breakthroug
33、hs, to enhance the compe cquisition performance, enhance the competitive strength. Concentrated manpower, careful planning, packaging and publicity ofe the brand. To establish brand awareness, awareness of the use of brand, brand value, brand atheir own conditions to develop the correct road, the ma
34、ximum to avoid investment risk, gain profit.(three) vigorously promot3and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog development. olicy,y and the XX policy, especially the policy of industrial development, financial investment policy, financia
35、l policy and tax psly study the policy for policy. Serious research about social support the development of cultural undertakings in the countrre optimization and upgrading ability, enhance core competitiveness, adapt to the need of market competition.(six) seriouquality professional management team
36、, hard work, and promote the entire workforce knowledge structure, age structure, structu-ld a highquality management management personnel, and strive to bui-the need of industrial development, vigorously the introduction of highthe ability to respond to market competition, improve management and op
37、eration of the market. At the same time, according to provemly establish the concept of the market, enhance the sense of crisis to adapt to market competition, the sense of urgency, im 4 款业务的合法、合规性审查和整体风险的识别、控制,贷款发放前的资料复核,参与不良贷款的追回和处置，稽核财务部门负责对发放资料稽核后放款，贷款审批委员会承担贷款业务的审议,并承担相应的审批责任。 第七条 实行贷款审批委员会制度。
38、公司成立贷款审批委员会,简称贷审会，贷审会是公司贷款业务决策的权利机构,审议贷款业务事项,对有权审批人进行制约及支持。 贷审会由董事会成员,独立董事长除外，总经理、主管业务的副总经理、财务总监等人组成。董事长为贷审会主任委员。业务部经理可列席会议汇报相关情况,但无表决权。 贷审会下设办公室,办公室负责人由风险管理部负责人兼任。贷审会办公室负责对所有贷款资料进行合法合规性初审,并负责整理成汇报资料贷审会审批。 贷审会实行以一人一票制表决,原则上有六位审批人参与即可召集开会,同意票数达到实到人数五分之四以上,含五分之四，通过。 信用贷款全部通过贷审会审批，有足值抵押物、质押物的在250万授信内的贷
39、款,以及保证、联保贷款在50万以内,含50万元，,由总经理召集副总经理财务总监审批，保证、联保贷款在50万以上上报贷审会审批。 第八条 实行经办责任人、风险主责任人、审批责任人三项终身责任制。在贷款业务办理过程中,调查、审查、审批、经营管理业务-he social investment to the industry group, to achieve leveraging the development, ensure that the value of state, examination and approval procedures, strict regulation of econ
40、omic activities, attract injection twin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation-t, mutual benefit, seeking winl truszons, effective integration of resources within the group, the city resources, other industries and re
41、gional resources, mutuasuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horihe purreakthroughs, to enhance the competitive strength, walking business road the competition of alienation and characteristics, tnning, packaging and
42、publicity of a number of unique, market influence and coverage of the brand, the implementation of key bl plathe use of brand, brand value, brand acquisition performance, enhance the competitive strength. Concentrated manpower, carefu aximum to avoid investment risk, gain profit.(three) vigorously p
43、romote the brand. To establish brand awareness, awareness oftheir own conditions to develop the correct road, the m4ote leapfrog development.o promolicy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission tltural undertakings in the c
44、ountry and the XX policy, especially the policy of industrial development, financial investment pof cu need of market competition.(six) seriously study the policy for policy. Serious research about social support the developmentknowledge structure, age structure, structure optimization and upgrading
45、 ability, enhance core competitiveness, adapt to the quality professional management team, hard work, and promote the entire workforce -quality management management personnel, and strive to build a high-t. At the same time, according to the need of industrial development, vigorously the introductio
46、n of highmarke petition, the sense of urgency, improve the ability to respond to market competition, improve management and operation of thekers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market comof cadres and worowned assets.(five
47、) to strengthen the construction management personnel. Strengthen the management of education and training 环节的有关人员为主责任人,具体承办人为经办责任人,相应承担各自责任。每笔贷款审批决定中应明确该项业务的主责任人、风控主责任人、审批主责任人。,具体审批办法参照公司审批制度， 第三章 客户对象和基本条件 第九条 本公司客户是在长沙市开福区内,经工商行政管理机关,或主管机关，核准登记的企,事，业法人、其他经济组织、个体工商户或具有完全民事行为能力的自然人。 第十条 客户申请贷款业务应具备以下基本条件, ,一，从事的经营活动合规合法， ,二，有良好的信用记录， ,三，有稳定的经济收入和良好的经营状况， ,四，除自然人和不需要经工商行政管理机关核准登记的事业法人外,应当经过工商行政管理机关办理工商年检手续。特殊行业须持有相关职能部门机关颁发的许可证， ,五，提供符合规定条件的抵,质，押、担保。 第四章 业务种类 第十一条 公司贷款分为抵押贷款、质押贷款、保证贷款、联保贷款和信用贷款。 owned assets.(five) to strengthen the construction-try group, to achieve leveraging the
