滨海农商银行：精准滴灌强实体 精耕风控筑根基

Core Viewpoint - Binhai Rural Commercial Bank is committed to serving the real economy by enhancing credit allocation, strengthening risk control, innovating debt recovery measures, and building a professional team to support high-quality local economic development [1]. Group 1: Precision Policy - The bank targets key sectors such as agriculture, small and micro enterprises, private enterprises, technology innovation, and green finance, optimizing credit resource allocation to achieve both quantity and quality in credit issuance. By 2025, loans to agricultural and small micro enterprises are expected to increase by 1.496 billion yuan, a growth rate of 8.32%. Inclusive loans for farmers and small businesses are projected to grow by 841 million yuan, with an increase of 8.73% [2]. Group 2: Asset Quality Control - The bank integrates risk management throughout the credit process, enhancing asset quality through meticulous management. The average automatic deduction rate for overdue loans is among the best in the province as of 2025. A new credit asset quality assessment plan has been implemented to effectively curb the spread of risks [3]. Group 3: Innovative Recovery Measures - In addressing non-performing loans, the bank has adopted innovative strategies and multiple measures to explore efficient recovery paths. This includes signing agreements for government platform transfers to preemptively address large risk loans, launching notarization services to reduce processing times, and implementing a comprehensive control process for non-performing loans [4]. Group 4: Team Development - The bank focuses on enhancing the professional skills of its credit team through performance-based assessments and training initiatives. A comprehensive assessment system has been established, with over 10 special inspections conducted throughout the year to promote compliance. Various training formats have been utilized, including 12 monthly training sessions and 2 product briefings, to support the development of new customer managers [5].