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南通农商银行分类施策筑牢信用风险“防火墙”
Jiang Nan Shi Bao· 2025-07-15 13:13
Core Viewpoint - Nantong Rural Commercial Bank has implemented a comprehensive risk prevention system focusing on "understanding the situation, targeted measures, and dynamic management" to effectively address credit risk issues this year [1][2] Group 1: Large Risk Management - The bank has established a "one customer, one strategy" approach for large risk loans, with each executive responsible for two high-risk clients, ensuring targeted risk resolution through personalized exit plans [1] - The management team actively engages with key clients to collaboratively discuss risk mitigation strategies [1] Group 2: Small Loan Management - Since the establishment of the small non-performing loan operation center in September 2024, the bank has centralized management of non-performing loans under 1 million, recovering or revitalizing 517 cases amounting to 98.46 million yuan [1][2] - The integration of "Feiyu Good Loan" into centralized management aims to enhance operational efficiency and focus on revitalizing small loans [1] Group 3: Key Institution Oversight - The bank has implemented a "key institution responsibility system" for 19 branches with high levels of non-performing loans, where each executive oversees at least two branches, ensuring dynamic monitoring and accountability [2] - Monthly reports to the party committee facilitate a closed-loop management process, enhancing proactive risk management capabilities [2] Group 4: Asset Management Strategies - In the area of heavy asset business, the bank employs a dual approach of support and deterrence, assisting struggling enterprises while taking legal action against malicious debt evasion [2] - The bank has successfully recovered multiple non-performing assets through legal means, contributing to financial order stability [2] Group 5: Future Outlook - The bank aims to deepen the construction of long-term mechanisms to contribute to the stable development of regional financial security [2]