ZJB(SH:601860)2024-07-12 10:13Group 1: Loan Distribution - In the first half of the year, the top five industries for loan allocation were wholesale and retail (51%), leasing and business services, construction, water conservancy, environment and public facilities management, and real estate [2] Group 2: Risk Control in Retail Loans - The bank emphasizes strengthening the "three checks" in personal business loans while maintaining strict risk control standards and focusing on the primary repayment source [2] - For innovative products, the bank sets credit admission thresholds and bottom-line rules to ensure risk is manageable [2] - In personal consumption loans, products like "Elite Time Loan" and "Zijin Flash Loan" are targeted at civil servants, state-owned enterprises, and quality private enterprise personnel [2] - The bank aims to expand the coverage of consumption loans for individual business owners and private enterprise owners by leveraging asset-backed approval platforms for differentiated pricing based on customer credit status [2]