First, strictly control loan mortgages to ensure the high quality and efficiency of new loans. On the one hand, when an enterprise applies for a new loan, it must first secure the mortgage collateral; on the other hand, the existing mortgage loan of the enterprise should also be adjusted in a timely manner at a ratio that does not exceed 1.5 times the assessed value of the collateral. The shortfall requires the company to immediately replenish the collateral or take other measures to reduce loan risks.

The second is to step up the implementation of the five-level loan classification management method, accurately identify the loan form, and take timely measures.

Third, once corporate loans pose risks, timely measures must be taken. The credit management department should actively participate in the evaluation of corporate assets and strive to verify their true value and reduce water content. It is necessary to actively adopt effective means such as mergers and alliances to realize asset transfer or liquidation as soon as possible and minimize losses.