溧水农商银行筑牢资产质量防线

Core Viewpoint - The company is actively addressing challenges in asset quality amid the current economic climate by implementing a comprehensive recovery system that effectively strengthens its risk management defenses [1][2]. Group 1: Asset Recovery Strategies - The company has established a "management + disposal + collaboration" framework for asset recovery, resulting in the collection of 18.41 million yuan in off-balance-sheet non-performing loans by the end of Q1, with a low non-performing loan ratio of 1.17% [1]. - A scientific non-performing loan management system has been created, allowing for comprehensive assessments of non-performing assets and the development of tailored recovery plans based on asset categories and disposal difficulties [1]. - The company employs a differentiated disposal strategy for various types of non-performing loans, focusing on real estate-backed and small-scale inclusive loans, and has introduced innovative methods such as empathetic collection and online pre-litigation mediation [1][2]. Group 2: Collaborative Mechanisms - A multi-dimensional collaborative recovery system has been established to enhance the effectiveness of non-performing loan management, utilizing big data analysis and intelligent risk control models to identify high-risk clients [2]. - The company has implemented a dual-driven model of "regional supervision + team competition," dividing the organization into responsibility areas for targeted oversight and performance competition among teams [2]. - Standardized collection processes have been developed, supported by specialized training and case studies to improve the risk management capabilities of client managers [2]. Group 3: Future Outlook - The company plans to continue exploring new models for non-performing loan disposal to contribute to regional financial stability [3].