沪农商行：贷款发放前严格审查企业经营及财务状况

证券之星09-16

证券之星消息，沪农商行(601825)09月16日在投资者关系平台上答复投资者关心的问题。

投资者提问：董秘你好！请问你们行给企业发放流动资金贷款是否需要严格审查贷款申请资料，确认贷款企业实际经营账况，再经过风险评估后才能发放？

沪农商行回复：尊敬的投资者您好，本行信贷管理体系完善，对贷款的审核发放严格遵循相关法律法规、外部监管要求及本行规章制度执行。以流动资金贷款为例，贷款发放前，本行会对借款企业的贷款申请资料进行严格审查，核实其实际经营状况和财务状况，并依据本行相关信贷管理制度开展风险评估，对债务人信用状况评估时，还会综合考虑监管及经济环境、内外部信用风险评级、市场经营前景、担保增信措施、还款行为等因素，结合宏观经济前瞻性信息进行风险研判。只有经过上述审查与风险评估流程后，本行才会作出贷款发放决策。感谢您对本行的关注。

本文数据来源于上海证券交易所e互动，仅供参考不构成投资建议。

责任编辑：刘浩然

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

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