风险与不确定性交织：银行信用风险管理新挑战与新策略

Group 1: Conference Overview - The "Global Trade Changes and Bank Credit Risk Management Seminar" was successfully held in Nanjing, focusing on the challenges and strategies for credit risk management in the banking sector amid significant global trade shifts [1][2] - The seminar gathered experts and representatives from financial institutions to discuss the impact of rising trade protectionism and geopolitical risks on global economic growth and banking credit risk management [1][2] Group 2: Key Insights from Experts - Professor Chen Zhongyang emphasized the distinction between risk and uncertainty, suggesting that markets should manage risks while governments should govern uncertainties, advocating for the development of export trade insurance services as a dual risk governance mechanism [2] - Huang Jinlao, Chairman of Jiangsu Digital Finance Association, highlighted the importance of maintaining a stable asset-liability structure and rational performance growth for banks like SuShang Bank, which has served 78.39 million personal customers and has total assets of 139.41 billion yuan as of Q1 2025 [3] - Jin Xueliang from Zhejiang Financial Promotion Association stressed the need for scientific prevention and early identification of credit risks, advocating for a focus on integrity culture, entrepreneur spirit, and technology-driven risk management [4] Group 3: Digital Transformation and Risk Management - The importance of digital transformation in enhancing credit risk management was underscored, with the application of big data and AI technologies to improve risk identification, assessment, and response efficiency [5][6] - Experts discussed the necessity for banks to adapt their asset allocation, client admission, and financial products in response to the ongoing U.S.-China trade war, emphasizing the need for alignment with national strategies and a focus on ESG responsibilities [5][6] Group 4: Financial Stability and Support for Enterprises - The need for financial institutions to maintain stable lending practices was highlighted as crucial for supporting foreign trade enterprises affected by tariffs, with suggestions for low-interest loans and flexible online services to enhance financing efficiency [7] - SuShang Bank's approach to risk management involves seeking certainty amid uncertainty, with plans to accelerate the digitalization of risk management and develop resilient financial products for SMEs [7]