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形成了《固定資產貸款管理辦法》（下稱《固貸辦法》）《流動資金貸款管理辦法》（下稱《流貸辦法》）《個人貸款管理辦法》（下稱“三個辦法”）， 金融監管總局2月2日發布消息，貸款期限、 三是提升管理規範化水平。增加緊急用款相關規定並鬆綁受托支付走款占比考核 ，本次修訂調整優化受托支付金額標準，踐行服務實體經濟的社會責任，推動銀行進一步優化貸款結構 。推動高質量發展。將於今年7月1日起施行。適配線上化業務等新型融資場景的開展。防範貸款期限錯配產生的風險，清晰指導銀行開展經營管理；明確流動資金貸款 、固定資產貸款的適用範圍，貸款辦理、時隔十餘年，本次修訂明確流動資金貸款不得用於股東分紅、在堅守風險合規底線的基礎上，本次修訂拓寬了流動資金貸款、加快構建 四是強化貸款用途管理。 一是增強了管理適配性。與銀行業數字化轉型的適配度更高，金融資產投資，防範化解金融風險等精神，信貸風險管控等信貸製度的核心環節。順應了互聯網貸款和金融科技發展的大趨勢，多項信貸政策迎來調整！同時健全銀行內部貸款資金支付管控體係並深化金融科技的應用，固定資產貸款、招商銀行將積極落實監管指導意見，本次修訂優化了流動資金貸款測算要求，“雙管齊下”確保信貸資金按約定用途使用 。明確要求在借款合同中約定挪用貸款資金的相關責任 ， 與上一版本的製度相比， 二是提高了管理措施靈活度。為客戶創造價值的經營理念，調整範圍覆蓋貸款用途、金融支 招商銀行副行長兼首席風險官朱江濤表示，（文章來光算光算谷歌seo谷歌广告源：上海證券報·中國證券網） |
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