阜宁农商银行多措并举强化信贷风险管控

Core Viewpoint - The company is enhancing its management of overdue loans to mitigate credit risks and improve asset quality through various measures such as performance incentives, precise classification strategies, and layered management [1][2] Group 1: Performance Incentives - The company has included overdue loan recovery in the 2026 "New Year Kickoff" labor competition, focusing on both newly formed and existing overdue loans to encourage proactive recovery efforts [1] - The assessment criteria will emphasize the progress and effectiveness of recovering past overdue loans, motivating institutions to increase their recovery efforts [1] Group 2: Precise Classification and Task Assignment - The credit management department will lead a thorough review of each branch's situation to scientifically and reasonably assign specific recovery targets for overdue loans, ensuring clarity in objectives and accountability [1] Group 3: Reward and Accountability Mechanism - The company is adjusting its reward and punishment mechanisms to focus more on rewards, aiming to boost employee motivation while holding accountable those who fail to follow established procedures [1] - Employees who diligently fulfill their responsibilities will be granted exemptions from penalties, promoting a culture of diligence and responsibility [1] Group 4: Layered Management - A layered management system for overdue loans has been implemented, with the head office focusing on large overdue loans (over 500,000 yuan) while branch managers are responsible for smaller overdue loans [2] - This approach aims to concentrate resources on resolving significant overdue loans while ensuring accountability at the branch level for smaller amounts [2]