授信三查：确保信贷业务稳健运行的关键环节

授信三查，作为信贷业务中的核心环节，对于保障银行资产质量和防范信贷风险具有重要意义。这一制度要求银行在授信过程中，严格执行贷前调查、贷时审查和贷后检查三个步骤，确保信贷资金的合规性、安全性和效益性。

贷前调查：摸清底细，审慎决策

贷前调查是授信三查的第一环节，也是信贷决策的基础。在这一阶段，银行需要对借款人的经营状况、财务状况、信用记录等进行全面深入的了解。通过实地走访、收集资料、分析数据等方式，银行评估借款人的还款能力和还款意愿，为后续的贷款审批提供有力支撑。

贷时审查：严格把关，确保合规

贷时审查是授信三查的关键环节，旨在确保贷款发放的合规性和风险控制。在这一阶段，银行需要对借款人的贷款申请进行严格的审核，包括贷款用途、贷款金额、贷款期限等。同时，银行还需要对借款人的担保措施、还款来源等进行评估，确保贷款发放后能够有效监控和管理。

贷后检查：持续跟踪，及时预警

贷后检查是授信三查的最后一环，也是信贷风险管理的重要手段。在这一阶段，银行需要对借款人的贷款使用情况进行持续跟踪和检查，确保贷款资金按照约定的用途使用。同时，银行还需要密切关注借款人的经营状况、财务状况等变化，及时发现潜在风险并采取相应措施，确保信贷业务的稳健运行。

Credit Tripartite Check: The Crucial Steps for Ensuring the Steady Operation of Credit Business

The credit tripartite check, as a core component of credit business, plays a vital role in safeguarding the asset quality of banks and preventing credit risks. This system requires banks to strictly follow three steps: pre-loan investigation, loan review, and post-loan inspection, ensuring the compliance, safety, and profitability of credit funds.

Pre-loan Investigation: Clearing the Background and Making Prudent Decisions

Pre-loan investigation is the first step of the credit tripartite check and the foundation for credit decision-making. During this stage, banks need to conduct a thorough understanding of the borrower's operating status, financial situation, credit record, and more. By visiting the site, collecting data, analyzing information, banks assess the borrower's repayment ability and willingness, providing solid support for subsequent loan approval.

Loan Review: Strict Gatekeeping and Ensuring Compliance

Loan review is a crucial step in the credit tripartite check, aiming to ensure the compliance and risk control of loan disbursement. During this stage, banks need to strictly review the borrower's loan application, including loan purpose, amount, and term. At the same time, banks also need to evaluate the borrower's collateral measures and repayment sources, ensuring effective monitoring and management after loan disbursement.

Post-loan Inspection: Continuous Tracking and Timely Warning

Post-loan inspection is the final step of the credit tripartite check and an important means of credit risk management. During this stage, banks need to continuously track and inspect the borrower's loan utilization, ensuring that the loan funds are used as agreed. At the same time, banks also need to closely monitor changes in the borrower's operating status, financial situation, and more, promptly identifying potential risks and taking corresponding measures to ensure the steady operation of credit business.