Credit post is a post full of hardships, a post with great responsibility and a post that challenges ideas. The basic qualities that a loan officer should possess are: integrity and integrity, proficiency in this major, familiarity with the law, understanding of the law of economic development, a certain cultural background, and a spirit of being fearless in competition. Therefore, loan officers should love their jobs, expand their abilities, understand Zhi Tao's own sentiments, do a good job conscientiously and exercise themselves in many ways: First, improve their political quality, strengthen their ideological cultivation and establish a healthy atmosphere. Man is the most basic and active factor in society. People in society can't be just a natural person and a pure biological person, because many factors, such as family background, education level and the influence of the surrounding environment, will make everyone's thoughts different. Simply put, they are either diligent or lazy, or self-denial, fairness, selfishness and extreme concern for personal interests, or teamwork, or self-righteousness. You know, all kinds of people make up our colorful life, and at the same time, we are also self-disciplined and self-selected. We tend to be positive and avoid evil, and we always grow towards "sunshine". China people are different from westerners in philosophy. They always emphasize politics. Simply put, they emphasize orthodoxy, collectivism, cooperation and the overall situation. Two, proficient in professional knowledge, with comprehensive quality. First of all, you must have skilled business knowledge. As credit business personnel, they often work independently, and must master basic skills such as financial knowledge, accounting knowledge and credit management, such as loan conditions, loan issuance procedures, contents and requirements of "three checks" on loans, methods of preventing risks, and loan responsibilities. Second, we should have skilled operation skills, operate loans according to rules and procedures under the guidance of skilled business knowledge, and improve our business skills. For example, the handling of accepting applications-pre-loan investigation and preparation of reports-data filling, review and reporting-accounting treatment of loan issuance-post-loan tracking management and form adjustment-normal state and legal channels to recover loan principal and interest. Third, we should have corresponding legal knowledge. By studying the People's Bank of China Law, Commercial Bank Law, Banking Supervision Law, General Principles of Loans, Contract Law, Guarantee Law and its Interpretation, General Principles of Civil Law, Bankruptcy Law, etc. It is important to organically combine credit professional knowledge with relevant legal knowledge in practical work. Three, with rich relevant knowledge and comprehensive judgment ability, comprehensive analysis of the development trend of market economy, comprehensive information from all sides, to make a more accurate prediction of the law of economic development. A qualified and competent loan officer should have rich relevant knowledge in addition to skilled professional theoretical knowledge and operational skills, which is more conducive to the smooth development of credit work. Such as agricultural production, the industry rules of individual industrial and commercial households, the market rules of other industries, enterprise financial management, production and cost management and so on. For a loan that has not been issued, we should judge carefully and seriously consider whether it can be recovered safely; For loans that have been issued, it should be carefully judged whether they should be recovered in advance and whether preservation measures should be taken in advance. Fourth, have a certain cultural background and be a quality and educated person. A loan officer should have a strong foundation in language and written expression. Simply put, you should be able to speak and write, otherwise it will directly affect your image. Linguistically, we should strive to be articulate, easy to understand, kind-hearted and logical. Don't take it upon yourself to say that people are "asking for a loan", don't sign a contract without strict examination, and take the law as the criterion in everything you say and do. Honest, honest, modest, reasonable, restrained, big but not rough, small but not informal, fully display the good image of individuals and rural commercial banks. 5. Have team spirit, the ability to work independently and the spirit of cooperation. Team spirit refers to the overall reflection of an organization's values and moral concepts. Team spirit is a spirit of cooperation. If a group organization or an enterprise cannot form a team, it will be fragmented, and there will be no unified will and unified action, and of course there will be no fighting capacity. Under the same blue sky, everyone has the right to live and the opportunity to develop. Just as Comrade Hu Jintao advocated "a society where man and nature live in harmony", I think: a team and a collective can only be harmonious if they compete in an orderly manner; Only mutual respect and understanding can lead to harmony; Harmony needs a little more tolerance; To be good at listening to different voices will be harmonious; Even if there are discordant voices, we can alleviate and solve various contradictions through consultation and cooperation. As long as we have team spirit and sincerity of cooperation, there is no problem that cannot be solved. 6. Be innovative and have the courage to "turn decay into magic". The task of "double decline" of non-performing loans in rural commercial banks is arduous and difficult. If you want to occupy a place in the competition, you must have the spirit of innovation and development, innovation in management, innovation in system and innovation in working methods.