Credit Risk Management - The company has established strict credit risk management and internal control procedures for its lending transactions[3] - The credit risk assessment process includes evaluating the financial status, loan purpose, shareholder background, and business reputation of new clients[3] - The company conducts regular reviews of overdue amounts and takes follow-up actions to minimize credit risk[6] - The financial department prepares monthly aging analysis of debtors to closely monitor credit risk[6] - The company emphasizes the importance of due diligence and creditworthiness in its lending practices[3] Loan Approval Process - The management team is responsible for approving smaller loan amounts, while larger loans require board discussion and approval[5] - Any potential loans involving related parties will be reported to the board for assessment and compliance with listing rules[5] - The company aims to ensure that all lending transactions align with the overall interests of the company and its shareholders[5] Overdue Payment Handling - The company has implemented a structured procedure for handling overdue payments, including reminders and collection actions[6] - The financial department reports the status of the loan portfolio to the CEO monthly for monitoring purposes[6]
美瑞健康国际(02327) - 2022 Q3 - 季度财报