Core Viewpoint - The construction of a solid risk culture is essential for preventing and mitigating financial risks, with a focus on transforming risk compliance concepts from "institutional requirements" to "actions by all employees" [1][2]. Group 1: Risk Culture Construction - The company emphasizes the importance of aligning risk management strategies with central and regulatory requirements, ensuring that risk culture construction serves as a "guiding compass" [1]. - The company maintains a correct view of "operations, performance, and risk," aiming to match risk appetite with development strategies, particularly in key areas such as real estate and small financial institutions [1][2]. - A "three lines of defense" collaborative prevention system is established to enhance the overall risk management framework, focusing on governance structure, management responsibilities, and coordination [2]. Group 2: Mechanisms and Practices - The company implements a "responsibility-execution-supervision" mechanism to embed risk culture into every aspect of management, utilizing a "six closed-loop" mechanism for risk assessment and management [2]. - All employees are required to sign compliance commitment letters and risk responsibility lists, promoting a culture where "everyone is the last line of defense" [2][3]. - The company integrates the "five musts and five must-nots" of Chinese financial culture into the entire risk control process, enhancing awareness through case analysis and institutional interpretation [2]. Group 3: Technological Integration - The company is developing an "all-in-one risk management platform" that covers all business sectors and risk types, enhancing risk identification and monitoring capabilities through digital transformation [3]. - A compliance system is being constructed to cover key scenarios such as anti-money laundering and abnormal transactions, significantly improving the precision of risk identification [3]. - Future plans include further integration of "intelligent" technology with compliance management to achieve proactive prevention and forward-looking responses [3].