逾期率下降核销可控，苏州银行风控逻辑释放了哪些信号？

Core Viewpoint - Suzhou Bank has demonstrated effective risk management by maintaining a low non-performing loan ratio and a stable write-off budget, signaling a successful transformation in risk control for city commercial banks [1][2][3] Group 1: Key Performance Indicators - As of June 2025, Suzhou Bank's non-performing loan ratio stands at 0.83%, with a provision coverage ratio of 437.91%, placing it among the top tier of listed banks [2] - The bank's overdue loan ratio decreased by 0.05 percentage points compared to the end of the previous year, indicating improved risk classification accuracy [2] - The proportion of attention-class loans, a precursor to non-performing loans, decreased by 0.13% year-on-year, reducing future asset quality deterioration pressure [2] Group 2: Risk Management Mechanisms - Suzhou Bank employs a "full-process control system" that integrates prevention and resolution, ensuring a closed-loop risk management approach [4] - The bank enhances its risk prevention through standardized approvals and regular reviews of problematic cases, minimizing human error and improving efficiency [4][5] - The collaboration between the business front, risk middle, and audit back ensures comprehensive risk management across all operations [5] Group 3: Efficiency and Responsiveness - The bank emphasizes both stringent controls and rapid responses, achieving a balance through regulatory collaboration, process optimization, and technological enhancements [6][7] - Suzhou Bank actively addresses risks by promptly identifying and managing potential issues, thereby preventing the escalation of asset deterioration [7] Group 4: Research and Technological Empowerment - The bank's risk management relies on a "smart brain" approach, combining research-driven risk prediction with technology to enhance efficiency [8][9] - The implementation of a new comprehensive credit system integrates various loan types, improving risk identification and processing speed [8] - The use of knowledge graph technology enhances risk monitoring and the identification of hidden correlations among risks [9] Group 5: Overall Implications - Suzhou Bank's robust risk management framework not only supports its own stable growth but also serves as a practical model for risk control transformation in the city commercial banking sector [9]