The Zhitong Finance App learned that credit approval is the core key link for banks to control asset risk, regulate credit investment, and support business growth. It is an important center for coordinating safety and development, compliance and innovation, risk control and service, and a “key fulcrum” for serving the real economy and empowering business development. In recent years, Bohai Bank (09668)'s credit approval work has firmly established a “risk controllable, compliance first, service-oriented, quality and efficiency improvement” work orientation. It is based on financial roots, moving from “passive defense” to “active leadership” to balance the dialectical relationship between risk prevention and control and business development with more accurate risk control, more efficient processes, and more practical services. While building a strong financial security line, it has accurately empowered first-line business expansion to achieve a virtuous cycle of controllable risk, orderly development, and service quality improvement for the entire bank Development has injected strong impetus.
Move the gate forward and build a secure safety barrier
Adhere to the advance of risk control and establish a strong line of credit security at the source. Bohai Bank's credit approval process is based on steady business development, continuously changing risk control management models, increasing service, support, and guarantees. While collaborating on business development, it integrates risk concepts and control measures throughout the entire business process from the exhibition stage. Continue to connect with advanced risk management and control through parallel operations, active management, joint pre-review, etc., and thoroughly implement industry research and planning and management work. Through continuous tracking and analysis of core industry logic such as economic situation, policy environment, technological change, development prospects, market supply and demand, and competition level, etc., position the industry, identify customers, seize opportunities, avoid risks, and collaborate with business lines to find opportunities and breakthroughs for high-quality transformation and development through cycles and steady progress in a complex and changing economic environment, forming comparative advantages, leading the entire bank to seize development opportunities and respond to risk-oriented challenges and credit Strategy, improve industrial finance plans, put forward management requirements, and unify risk appetite while providing strong support for business development.
Precise measures to collaborate to activate management momentum
Adhere to precise policies to enable business development through differentiated approvals. Bohai Bank's credit approval process closely follows the pace of national policy adjustments, and continuously optimizes and implements active, reasonable, classification policies, and dynamically adjusted credit granting strategies. Focus on accurately implementing the entire bank's business strategy into risk appetite, figuring, three-dimensional, and refining risk appetite from multiple dimensions such as “region+industry+product”, and transforming it into an executable and judgable business language, so that the market and risk control personnel can have a unified understanding and judgment on the risk appetite of the entire bank, and establish a normalized and dynamic preference review and adjustment mechanism. At the same time, differentiated credit support is provided for key areas, key customers, key product line linkage, and total branch linkage according to the characteristics of different regions. The risk management logic shifts from “passively accepting business applications” to “actively investigating industry trends”, using external industrial policies and industry sentiment as the core preconditions for credit admission, so as to achieve “credit investment at the same frequency as real economic development and in sync with the high-quality industrial circuit”.
Adhere to loan review and linkage, and activate management momentum through synergy. Bohai Bank's credit approval process adheres to the principles of work based on personal responsibility, initiative, focus on the core, collaboration and efficiency, establish a collaborative guarantee mechanism across lines and departments, and continuously adopt measures such as dedicated personnel docking and full follow-up to support product development, sorting out processes, and active customer development. Improve active management, establish pre-approval communication channels and rapid response mechanisms, and improve the efficiency of credit approval. Strengthen branch research, establish smooth two-way communication channels, understand the branch's business ideas and business requirements, reach consensus on risk appetite, asset investment, customer selection, credit granting strategies, etc., and resolve the actual problems of the branch. Select industry experts and business leaders to participate in regional, industry, key customer, and peer research, put forward professional suggestions on cooperation plans, active credit grants, etc. from the perspective of credit approval, and promote the implementation of customer marketing, product integration, and regional development coordination. According to national policies, regulatory orientations and market changes, a dynamic risk management and control model is adopted for approved regions, supported entities, service products, etc., to collaborate to improve the quality of customer, business, and product selection.
Risk control is a prerequisite for development, and development is the goal of risk control. Bohai Bank has always clearly understood that strict risk control does not restrict business development, but rather protects the high quality and sustainable development of the business. Through the normalization of risk management and control, the risk resilience of Bohai Bank's credit granting business continues to increase, asset quality has remained steady and improving, and asset safety barriers have been strengthened more and more. In addition, proactive and accurate approval services have effectively broken down process barriers and risk barriers to business development, greatly improved the accuracy and customer satisfaction of financial services, helped first-line business teams accurately explore customers and develop businesses efficiently, and achieved two-way empowerment and two-way improvement of “risk prevention” and “development promotion”.