【正文】 行評價（包括總經(jīng)理，財務(wù)總監(jiān)，業(yè)務(wù)部門負(fù)責(zé)人，風(fēng)險管理部經(jīng)理）平均評分乘以權(quán)重30%為綜合管理部經(jīng)理評分。（8）考核為月度考核，七項(xiàng)相加總分為月度得分，80分以上，按本人標(biāo)準(zhǔn)工資發(fā)放，低于80分，高于60分，按本人標(biāo)準(zhǔn)工資80%發(fā)放，低于60分，按本人標(biāo)準(zhǔn)工資60%發(fā)放。60分以下本項(xiàng)得分為0。（5）保守公司機(jī)密，考核權(quán)重為10%。（4）利息收入計算審核及時準(zhǔn)確，和業(yè)務(wù)部門溝通及時。（3）納稅申報及時準(zhǔn)確，稅款繳納及時。（2）會計記賬、報表編制及時、準(zhǔn)確、規(guī)范。連續(xù)3個月60分以下，予以辭退。連續(xù)3個月60分以下，予以辭退。經(jīng)公司辦公會認(rèn)定有泄密行為并造成嚴(yán)重后果的，本項(xiàng)的得分為0并追究相應(yīng)的責(zé)任。由稽核財務(wù)部負(fù)責(zé)考核。由稽核財務(wù)部負(fù)責(zé)考核。由稽核財務(wù)部負(fù)責(zé)考核。由稽核財務(wù)部負(fù)責(zé)考核。（2）綜合管理部和主管領(lǐng)導(dǎo)負(fù)責(zé)初評。連續(xù)3個月60分以下，予以辭退。（4）風(fēng)險管理員的勞動紀(jì)律由風(fēng)險管理部經(jīng)理和綜合管理部共同考核，風(fēng)險管理部經(jīng)理的勞動紀(jì)律由主管領(lǐng)導(dǎo)和綜合管理部共同考核。（應(yīng)發(fā)現(xiàn)未發(fā)現(xiàn)風(fēng)險指出現(xiàn)風(fēng)險后，風(fēng)險分析確定為風(fēng)險管理部責(zé)任的）（2）風(fēng)險管理員沒有按照風(fēng)險管理的要求及時執(zhí)行風(fēng)險控制的手段，每次風(fēng)險管理員本項(xiàng)得分降低3%。三、風(fēng)險管理部的考核1. 考核指標(biāo)和權(quán)重（1）風(fēng)險識別占考核權(quán)重的30%。3. 考核階段和考核部門（1）貸款業(yè)務(wù)部考核為月度考核。連續(xù)3個月60分以下，予以辭退。同時收入指標(biāo)超出考核指標(biāo)部分的獎金暫停發(fā)放，等逾期貸款處理完畢后再予以處理。（3）逾期一個月以上貸款占貸款余額不超過5%，本項(xiàng)得分為10%，超過5%不超過15%。（2）貸款損失率占考核權(quán)重的20%。（2）綜合管理部負(fù)責(zé)初評。超過15%考核總分為0。超過13%不到15%，本項(xiàng)得分為45%。占考核權(quán)重的45%。提供方便服務(wù)，鞏固、穩(wěn)定優(yōu)良客戶。續(xù)貸的審批按貸款審批的程序辦理。 第十七條 經(jīng)合同約定，客戶可以提前歸還貸款。 第十四條 單筆貸款額度不得超過公司注冊資本的1%，同一貸款人累計余額不得超過公司注冊資本的5%。其特征就是債務(wù)人無需提供抵押品或第三方擔(dān)保僅憑自己的信譽(yù)就能取得貸款，并以借款人信用程度作為還款保證的。（三）保證貸款，是指按《中華人民共和國擔(dān)保法》規(guī)定的保證方式以第三人承諾在借款人不能償還貸款時，按約定承擔(dān)連帶責(zé)任的保證貸款。貸款額度按業(yè)務(wù)授權(quán)管理辦法規(guī)定執(zhí)行。特殊行業(yè)須持有相關(guān)職能部門機(jī)關(guān)頒發(fā)的許可證；（五）提供符合規(guī)定條件的抵（質(zhì)）押、擔(dān)保。在貸款業(yè)務(wù)辦理過程中，調(diào)查、審查、審批、經(jīng)營管理業(yè)務(wù)環(huán)節(jié)的有關(guān)人員為主責(zé)任人，具體承辦人為經(jīng)辦責(zé)任人，相應(yīng)承擔(dān)各自責(zé)任。貸審會辦公室負(fù)責(zé)對所有貸款資料進(jìn)行合法合規(guī)性初審，并負(fù)責(zé)整理成匯報資料貸審會審批。貸審會由董事會成員（獨(dú)立董事長除外）總經(jīng)理、主管業(yè)務(wù)的副總經(jīng)理、財務(wù)總監(jiān)等人組成。第六條 按照“橫向平行制約”原則，設(shè)立業(yè)務(wù)營銷部門和風(fēng)險管理部門，成立貸款審批（亦稱評審）委員會。第三條 公司經(jīng)營和管理必須堅持合法性，安全性，效益性和流動性相統(tǒng)一的原則。 4. 負(fù)責(zé)貸款業(yè)務(wù)的營銷管理和收貸收息管理工作。 （二） 副總經(jīng)理崗位職責(zé)1. 協(xié)助總經(jīng)理管理公司相關(guān)日常事務(wù)。9. 聘請律師、注冊會計師和資產(chǎn)評估師擔(dān)任公司的法律和財務(wù)顧問。 5. 制定公司的具體規(guī)章。s education practice is to seize against four wind this focus on centralized solve outstanding problems asked County, township leadership and leading cadres of the four winds, the disadvantages of the style, scale behavior to a large scale investigation, overhaul, cleaning greatly. At the same time, respond to the concerns of the masses, safeguard the interests of the masses, pay attention to solve practical problems, solve the people around the unwholesome tendencies especially on eat, take the card, Yong lazy luxury, extravagance and waste fees, privileges and other issues, timely and effective, without any discount to solve, to improve the style of real implementation of the requirements of real to the grassroots, real let group Benefit the public.(a) focus on solving the four winds outstanding issuesThe central and provincial requirements, the county leadership and leading cadres of key performance concept is not correct, do not dare to play, to engage in image project, political project, a leadership guide, a set of ideas, orders and prohibitions, and a policy, there are countermeasures county. The units directly under the heavy focus on solving Yung lazy drag, buck passing skin, work is not implemented, the service is not active. The dynamic problem of law enforcement and supervision departments and window units, service industry mainly solve the door hard, ugly face, something difficult, and arbitrary charges, fines, levies, and breach of privilege, chinakayao, not the problem of law. The township, street The collar of leading bodies and leading cadres to solve key does nottheir own conditions to develop the correct road, the maximum to avoid investment risk, gain profit.(three) vigorously promote the brand. To establish brand awareness, awareness of the use of brand, brand value, brand acquisition performance, enhance the petitive strength. Concentrated manpower, careful planning, packaging and publicity of a number of unique, market influence and coverage of the brand, the implementation of key breakthroughs, to enhance the petitive strength, walking business road the petition of alienation and characteristics, the pursuit of stability and development of the market.(four) to promote the integration of resources. To further broaden their horizons, effective integration of resources within the group, the city resources, other industries and regional resources, mutual trust, mutual benefit, seeking winwin principle, in the framework of national policies and regulations, strict inspection and argumentation, legal consultation, examination and approval procedures, strict regulation of economic activities, attract injection the social investment to the industry group, to achieve leveraging the development, ensure that the value of stateowned assets.(five) to strengthen the construction management personnel. Strengthen the management of education and training of cadres and workers of the existing business, firmly establish the concept of the market, enhance the sense of crisis to adapt to market petition, the sense of urgency, improve the ability to respond to market petition, improve management and operation of the market. At the same time, according to the need of industrial development, vigorously the introduction of highquality management management personnel, and strive to build a highquality professional management team, hard work, and promote the entire workforce knowledge structure, age structure, structure optimization and upgrading ability, enhance core petitiveness, adapt to the need of market petition.(six) seriously study the policy for policy. Serious research about social support the development of cultural undertakings in the country and the XX policy, especially the policy of industrial development, financial investment policy, financial policy and tax policy, and actively seek policy, projects and funds, enterprise and industry group mission to promote leapfrog 一、公司基本制度（一）總經(jīng)理崗位職責(zé)1. 主持公司的日常行政和管理工作，組織實(shí)施董事會決議。s mass line educational practice activity in the city39。s mass line educational practiceAccording to the central and provincial, municipal unified deployment, according to municipal Party mittee about carrying out the party39。s speak seriously as a basic attitude, adhere to positive education, to carry out criticism and self criticism group, adhere to the pragmatic, more emphasis on leadership, pay more attention to the layers of the demonstration, more focus on the four winds, solve the pro