Trans regional Loans: as the name suggests is issued not in their service area loan. Trans regional loans because of the possibility of multiple loans, increasing the loan risk, so the transregional loans are generally in accordance with illegal loans to deal with. But with the application of the computer, a name in a certain range has been impossible to get two mortgages, so should be able to completely eliminate the possibility of lending practices. Then the "zone" of our Is it right? Should re adjust the concept?

   At present we are set up according to the administrative region of the "zone", the least "zone" is the customer manager "tablets". Due to technical reasons, can not prevent the lending practices, we have strict rules can not the manager cannot"The cross piece of loan", this is to reduce the risk of loans role at the time. But it has also brought many negative problems: one is to solve the contradiction between not registered permanent residence and place of business, if a farmer in and management of words, he could borrow less than money, or can obtain double loans may (and local financial institutions settings); two increase customer manager the opportunities for corruption. Because in accordance with the provisions of: the superior departments can have only one vote veto, can not have the vote rights. This inadvertently to the customer manager of a great power - control loan applications submitted power. If the manager does not let a customer loan applications submitted to it, anyone can't make loans to the customers. Because "can't vote right" to stop the superior department lending opportunities, "shall not cross piece loan" to prevent the other customer manager lending opportunities, so want to obtain loans, must do well the relations and the only a customer service manager, otherwise who also can not get loans to support! So it will be formedThe loan application processThe highly centralized power, corruption will emerge as the times require. And this kind of corrupt behavior treatment is difficult, is difficult to obtain the evidence. The more capital intensive areas, this phenomenon is more obvious. In the area of capital is relatively well-off, the situation still exists! Therefore want to increase the loan fair delivery, solveThe loan application processCorruption in the bottleneck, we must break the "cross piece loan".

   In fact, there's no way to solve this problem: is completely break the "zone", "piece" concept! Let all of the customer manager in the face of all customers! This approach is not possible in the past, because we have no customer information registration system, cross regional lenders vulnerable to the formation of long loans, increasing the loan risk. But now it is different, we have customer information registration system (Credit management systemAnd the people's Bank of China)Personal credit system,These two systems can effectively prevent customer lending practices, so thatAll customer manager each to all customersBecome a reality. It broke through the bottleneck of loan customers can only submit a loan application by a customer service manager, can effectively solve the customer manager to eat, take, card, want the problem! The specific operation can be divided into the following steps:

   One, to break the "tablet in a town". As long as the township of loan customers can all customer manager to the rural credit cooperatives loan applications, each client manager can be accepted. Since such, one is"Deprived of customer manager for a loan to the right", so there is a demand of customer application can be submitted, which improves work efficiency, and reduce corruption opportunities; two is to simplify the assessment, improve the objectivity and fairness of the appraisal! With the cancellation of the piece concept, in a small rural town also does not have the difference, therefore for each customer manager can be given the same task plan index, the assessment results can stick out a mile, the good and the bad of a man, no longer exists "incompetent person"!

   Two, make the city become a district. This is"Deprivation of grassroots credit cooperatives (Branch) loan application control right";

   Three, the city became a district. This is"Deprivation of union chairman (Chairman), chairman (president) loan application to monopolize power";

   Four, in the right opportunity in the province will be designated as a district. This requires the system to support and scientific performance appraisal mechanisms, as well as from the credit business personnel of high quality.