Strengthen customer credit risk management and strengthen business operation risk management.

1. Strengthen customer credit risk management: Commercial banks conduct a comprehensive assessment of customer credit risks, establish a customer credit rating system, and implement different credit policies and risk control measures for customers with different credit levels.

2. Strengthen business operational risk management: Commercial banks strengthen the identification, assessment, monitoring and control of off-balance sheet business operational risks, standardize business operating procedures, strengthen internal supervision and inspection, and prevent off-balance sheet financial risks caused by operational risks. External business losses.