ZJB(SH:601860)2024-11-08 09:28Group 1: Business Positioning and Services - The bank focuses on serving agriculture, small and medium enterprises, and urban-rural integration, emphasizing support for the real economy and innovation in financial products [1] - Key business areas include small and micro loans, agricultural loans, and retail services, with products like "Tongshang e-loan" and "Elite Time Loan" [1] Group 2: Risk Management Strategies - The bank enhances internal control and compliance, establishing a comprehensive risk management system that addresses credit, liquidity, and market risks [1] - Adoption of a "three platforms and six positions" management model to strengthen credit management and improve internal control [1] - Implementation of digital risk control and data mining to enhance decision-making and risk management [1] - Individualized strategies for managing non-performing assets based on their categories and disposal difficulty [1] Group 3: Profitability Enhancement - The bank aims to counteract the trend of narrowing net interest margins through adjustments in asset-liability structure, cost reduction, and increasing non-interest income [2] - Focus on differentiated pricing management and expanding scale to improve overall returns [2] - Structural adjustments on the liability side to adapt to market conditions and optimize deposit terms [2]