Of course, Bank of Ningbo is a leading joint-stock commercial bank in domestic cities, which has developed rapidly in recent years. The "White Collar Link" personal credit loan launched by Bank of Ningbo has become a brand project, which is safe and reliable.

Second, how to guard against risks in Bank of Ningbo's corporate loans?

In fact, banks basically don't handle those so-called, less than 20 thousand, and they can do it with credit cards. General loans are for individuals with business contacts or enterprises with project plans and development prospects! You can think about the same loan approval procedures of 20,000 yuan and 200 million yuan. Your approval of this 20 thousand yuan is only reported to branches, head offices and banking regulatory bureaus. These materials and labor costs are higher than the interest costs charged!

3. How does Bank of Ningbo guard against risks in corporate loans?

"technology and finance is the focus of attention of Ningbo Banking Regulatory Bureau and Ningbo Banking Industry." Lv Biqin, deputy director of Ningbo Banking Regulatory Bureau, said that at present, Ningbo Banking Industry has set up five technology franchises or characteristic branches, benefiting 22 1 1 technology enterprises, with a loan balance of 33.5 billion yuan, and nearly 10 similar branches are under construction. In view of the characteristics that technology enterprises despise assets, Ningbo banking industry explores the risk sharing model. For example, Bank of China Ningbo Branch implemented the government discount, and the government, banks and insurance companies shared the risks, providing mortgage-free and low-cost credit support for technology enterprises, benefiting 460 small and medium-sized technology enterprises, and issuing loans exceeding/kloc-0.5 billion yuan.

In terms of risk prevention, Lv Biqin said, on the one hand, Ningbo Banking Regulatory Bureau vigorously handled the stock risk, deployed banking institutions to speed up the disposal of non-performing loans by means of write-off, restructuring, securitization and batch transfer, established Ningbo Financial Asset Management Company, and broadened the disposal channels of non-performing loans. On the other hand, Ningbo Banking Regulatory Bureau has taken various measures to prevent and control new risks, focusing on long-term financing risks and excessive credit "leverage" risks, and guiding institutions to cooperate with guarantee funds and emergency lending funds. She revealed that the loan balance and non-performing loan ratio of the banking industry within her jurisdiction have achieved a "double decline" for five consecutive quarters. At the end of September, the non-performing loan ratio of Ningbo banking industry was 2. 15%, and the non-performing loan ratio and interest loan ratio decreased by 0.48 and 0.94 percentage points respectively compared with the beginning of the year.

Four, how to prevent risks in Bank of Ningbo's loans to enterprises?

"technology and finance is the deputy director of Ningbo Banking Regulatory Bureau, Ningbo Banking Regulatory Bureau. Lv Biqin said that at present, Ningbo banking industry has set up five science and technology franchises or characteristic branches with a loan balance of 33.5 billion yuan. In view of the characteristics that science and technology enterprises despise capital, this paper probes into the risk sharing model. Branches are subsidized by the government, and the government and banks provide mortgage-free and low-cost credit support to technology enterprises, benefiting 460 small and medium-sized technology enterprises and issuing loans.

In terms of risk prevention, Lv Biqin said, on the one hand, Ningbo Banking Regulatory Bureau vigorously handled the stock risk, deployed banking institutions to speed up the disposal of non-performing loans by means of write-off, restructuring, securitization and batch transfer, established Ningbo Financial Asset Management Company, and broadened the disposal channels of non-performing loans. On the other hand, Ningbo Banking Regulatory Bureau has taken a number of measures to prevent and control new risks, focusing on long-term financing guidance institutions and guarantee funds. The bank loan balance and non-performing loan ratio within its jurisdiction have achieved a "double decline" for five consecutive quarters. At the end of September, it was 65,438+05%, and the non-performing loan ratio and interest loan ratio decreased by 0.4 percentage points respectively compared with the beginning of the year.