阜宁农商银行应用违约概率模型 提升资产质量

Core Viewpoint - Focusing on comprehensive risk management, Funing Rural Commercial Bank is implementing a credit risk management model based on the default probability model from Jiangsu Rural Commercial Bank, which is integrated throughout the entire loan process to ensure the safety of credit funds [1] Group 1: Pre-loan Approval - The bank uses the default probability rating as a key basis for credit approval, specifying that E-class customers are not allowed to receive new or increased credit, while D-class customers require elevated approval [1] - The bank has reduced the proportion of E-class customers through exit and reduction strategies, with a reported exit rate of 11.5% for E-class customers this year [1] Group 2: Loan Management - During the loan management phase, the bank utilizes model data to identify high-risk institutions and customer managers, conducting "bottom-out" actions on 5 high-risk institutions [1] - The bank has restricted business permissions and promotion channels for 18 customer managers classified as level four and five high-risk, aiming to enhance their risk control capabilities through discussions and guidance [1] Group 3: Post-loan Management - The bank applies model data extensively in managing expired loans, segmenting existing loans, and identifying responsibilities for non-performing loans [1] - A differentiated collection strategy is implemented through the "1211" management mechanism, which categorizes responsibilities for customers who did not pass the model assessment and increases accountability for high-default customers [1] Group 4: Future Plans - The bank plans to continuously upgrade its risk measurement capabilities and optimize management mechanisms to steadily improve the quality of credit assets [2]