JRCB(SZ:002807)2022-11-17 14:46Group 1: Investor Relations Activities - The investor relations activity was conducted on July 5, 2022, through a telephone conference [2] - Participants included representatives from various financial institutions such as Huatai Securities and Fortune Fund Management [1] Group 2: Loan Management and Risk Control - The bank emphasizes credit risk management by establishing a Loan Responsibility Accountability Committee [2] - Non-performing loans account for less than 1% of the total loan amount, indicating a low level of risk in local government platform loans [2] Group 3: Performance Assessment of Client Managers - Performance assessment for client managers includes metrics such as overdue loan ratio and newly added non-performing accounts [2] - Senior management and client managers have their performance compensation deferred to effectively manage risks [2] Group 4: Financial Technology Development - The bank is focusing on digital transformation, aiming to create a "scenario-based, personalized, and intelligent" digital banking experience [3] - Digital marketing strategies leverage WeChat ecosystems to integrate low-frequency financial services with high-frequency daily life scenarios [3] Group 5: Risk Management Strategies - The bank is developing an intelligent risk control platform based on regulatory compliance and risk management guidelines [3] - The risk management framework is built around risk preferences and policies, ensuring a comprehensive approach to risk governance [3]