Summary of the work of the Bank Risk Management Department

Summary is a written material that reviews, inspects, analyzes and evaluates the study or work at a certain stage afterwards. It plays an important role in our study and work. It plays a role as a link between the previous and the following, so we are required to write a summary. How is a summary generally written? The following is a summary of the work of the bank risk management department that I collected and compiled. I hope it will be helpful to everyone.

Summary of the work of the Bank Risk Management Department 1

I am very happy to enter the Risk Management Department of the People's Bank of China as an intern. During the three months of internship, I learned Here comes the system’s approval process and workflow. Through contact, I understood my own strengths and weaknesses, and also understood the direction of my future efforts. In the past three months, I have learned a lot from leaders and taught me a lot. Now that three months are about to pass, I will summarize and review my three months of work.

1. My work content.

Because I was still an intern, when I joined the Risk Management Department of the People’s Bank of China for internship, my superiors took me through business approval and work. The usual work is mainly responsible for the internal approval process and operation process. Depending on the specific nature of the business, I will conduct regular asset reviews based on a review of its complex commitments and risk-taking capabilities. And classify and summarize the credit loans of salesmen. It also conducts review of asset management of lenders and management of credit risks including analysis and review processes.

2. Cooperation in daily work.

Because I just joined the bank and am not familiar with the banking industry and the service procedures of various banks. In the beginning, I was able to complete the approval process with the help of my colleagues. I am also grateful to my leaders for their support in my work and for their careful guidance. When reviewing the lender's funding issues and loan verification, I review and approve the loan seriously and responsibly. And actively communicated with the sales staff, supervising each of their work to ensure that the information they submitted was accurate. I will also communicate with the auditors regularly to ensure that their thoughts and behaviors are positive and healthy.

3. Shortcomings and reflection.

For a newbie like me, mistakes are inevitable. I am also aware of my lack of experience. I usually actively communicate with my colleagues to ensure that when lending, the approval can be carried out in an orderly manner and in accordance with the bank's rules and regulations. Our team is mainly responsible for analyzing the market risks and policy risks of the entire bank, reviewing whether the lender complies with the national policy approval process, and ensuring that each batch of loans can be withdrawn in an orderly manner. I am not experienced enough in this area and need to communicate more with my colleagues. After the review, I will continue to work hard to improve my financial knowledge. Summary of the work of the Bank Risk Management Department 2

I only entered my current department in May last year. At the beginning, I was not very familiar with my own business, and I often encountered bottlenecks during my work. When I was helpless in the face of difficulties, some enthusiastic colleagues and leaders around me stepped forward to provide me with guidance and support. With their support, I have gradually become a competent employee from a newcomer who knows nothing. They are indispensable for the great progress I have made now. Here I summarize the work of this year:

< p>　1. Improve the system

One is to understand the new developments in the knowledge of your position, learn advanced methods and skills in a timely manner, and improve and update old plans and concepts. The second step is to build an internal collaboration system, because one person's vision and judgment are often not accurate enough, and even sloppiness and misjudgment occasionally occur. At this time, everyone can grasp the judgment results together, which can reduce or eliminate the occurrence of mistakes, so that Risk control assessments are more accurate.

2. Fulfill your responsibilities

In addition to building a good collaboration platform for our department, the key is to rely on everyone to do their jobs well. To be more specific, this means whether you follow the standardized procedures every day, whether you are lazy at work, and whether you are repeatedly procrastinating and slacking off on things you should have completed. Then whether short-term work goals have been achieved, and whether periodic summaries and reports have been carried out as scheduled.

3. Pursue progress

From the day I came to our department, I have been studying very hard, a business knowledge in my own work scope, and immersed myself in it whenever I have free time. Check the information and use all the time to recharge yourself. After such hard work, my professional ability improved by leaps and bounds. From an unknown clerk, I became a backbone valued by the leadership, and later was promoted to team leader. I became more ambitious and took a longer-term view. Starting from the macro risk control prospects, I continued to dig deeper into the professional connotation and summarized my unique professional experience. Summary of the work of the Bank Risk Management Department 3

I am an employee of XX branch of XX Bank. I started working in August XXXX and hold the position of comprehensive statistics post in the Risk Management Department.

Since I have been working for more than half a year, I have received all-round care and attention from my leaders and seniors. I have also received meticulous guidance in my work, which has helped me quickly become qualified for my position.

The Risk Management Department is the comprehensive management department responsible for the implementation, monitoring, evaluation and control of the comprehensive risk management policy of XX Branch. It is also the department responsible for daily management of risks and internal control. The comprehensive statistics position I hold is mainly responsible for the statistics, analysis and management of the bank's credit asset risk status and risk classification; responsible for the dynamic management and analysis of the bank's credit data.

In actual work, I mainly complete the following aspects: entry and verification of manual credit ledgers, dynamic control, analysis and management of actual credit business details, so as to facilitate timely and accurate Obtain various credit statistical data; maintain and manage the old credit system operated by XX branch, conduct statistics and analysis of data and reports entered by various departments and offices; provide data and details of various credit assets of ** bank, complete four-level classification and Five-level classification statistical work and analysis work; monthly provision of detailed data on interbank operations to bank leaders and the accounting and financial department, corporate department, and personal finance department; monthly, quarterly, and annual, independently or in cooperation with the office, accounting and financial department and other departments Provide various credit data reports to the outside world. In addition, our bank has established a new position of information security officer. I am appointed as the information security officer of the Risk Management Department, responsible for the maintenance of department computer network information security.

In the more than half a year since I entered XX Bank, under the care and care of my leaders and seniors, I have worked hard with a humble and studious attitude, actively learned business knowledge, mastered operational skills, adapted to my job, and basically been able to work better. Complete your job well and other tasks assigned by the leader. I am a newly graduated science undergraduate student. I have entered a new banking job and faced new challenges. This process is not only a change of profession, but also a change of thinking and learning methods. In comprehensive statistics, In my position, the care and guidance of my leaders and seniors made me realize that only with a rigorous attitude, correct methods, active communication, and hard thinking can we obtain the most accurate statistical data and the highest work efficiency. It is also the banking industry, a brand-new job for me, that provides me with a brand-new learning opportunity. Under the excellent growth environment of XX, I can develop the ability to continuously learn and acquire new knowledge in every day's work and life. , strive to understand the operating rules of the banking and financial industries, and apply every bit of what has been learned to actual work.

It is precisely because of the above understanding that I have worked hard to learn business knowledge from my seniors in the past six months, completed my statistical work rigorously and conscientiously, and achieved a timely, accurate and complete reflection of the XX branch Credit business conditions. Completed the work of the information security officer seriously, performed daily maintenance of information security and established a security officer log. I have worked hard to develop good working habits and working methods. Recent work has made me more and more aware that good working habits are interoperable, especially in the organization of work. Under the guidance of my seniors, I will continue to work hard in the future. Keep up the good work.

The comprehensive statistics post of the Risk Management Department is a position that requires responsibility and patience. After more than half a year of study and practice, I firmly believe that I can do the job and make achievements; in my future work, I will also Continue to work hard and become a better member of XX. Summary of the work of the Bank Risk Management Department 4

The work of the Risk Management Department XX should more reflect the service functions (what has been done for customers, what has been done for the front desk department) What has been done for the whole bank), reflects the training function (innovating training methods), and reflects the supervision and guidance function (increasing the linkage model).

Use fine management to improve system execution, innovative models to improve risk management and control, communication to improve work effectiveness, and cultural leadership to enhance team cohesion.

1. Integrate resources and optimize allocation

In accordance with the guidance of the Risk Management Department of the Head Office and combined with the actual situation of XX, the relevant functions of the internal team were further subdivided and the original five centers were Reset it into a centralized operation center (clearing center and cashier center), XX risk control center and XX quality management center, and designate corresponding team leaders to perform relevant management responsibilities. Establish a capable XX management system and a scientific XX management model to achieve the work goal of "smooth processes and controllable risks", improve the branch's XX management capabilities, and effectively play the supporting role of XX management.

2. Establish rules and regulations to improve business execution and team cohesion

Prepare a management manual for the branch’s risk management department, and clarify risk management by elaborating on the department culture and police training of the risk management department The positioning and responsibilities of the department, establish eight requirements including the department structure, rotation mechanism and assessment mechanism of the risk management department, establish an efficient XX team in a scientific and standardized manner, improve the overall operation and execution capabilities of the organization, and better serve the front office Operations Department and Customer Service.

According to the requirement of making up for what you learn, each department and each position must keep the systems and measures related to the center and the position in a special folder and strictly implement them.

3. Make a good combination, optimize the innovation model, and improve the level of risk management

(1) Training + assessment to improve employees’ business knowledge and standardize their operating behaviors. The first is to change the training model for managers (center supervisors and XX supervisors) and add management elements to improve the management level of supervisors; the second is to change the content, using pictures instead of words and charts instead of numbers to make boring content intuitive and easy to understand. , improve employees’ business awareness.

(2) Supervision and inspection + tracking and standardization to promote the unification of all business operations of the business organization and ensure that employees operate in a standardized manner.

Change the inspection mode, increase the intensity of follow-up problem rectification and follow-up inspection, and achieve a one-stop inspection method of on-site notification, cause analysis, continuous tracking, and implementation of rectification.

Improve the supervision method. While doing a good job in accounting supervision, the post-supervisory post will conduct one business category per week to discuss business operations, voucher placement, etc., and gradually unify and standardize the entire bank's business.

(3) Risk publications + data analysis, and strive to improve the risk prevention awareness and capabilities of business institutions and XX personnel. It serves as a reference for the organization's business development, organizational planning, personnel deployment, equipment configuration and other management actions and plays a certain guiding role in XX business and other aspects.

(5) Technology + business, saving time and effort, and improving the timeliness of business processing for customers and employees. Increase cooperation with the technology department, go deep into the front lines of outlets, and use the integrated perspective of the risk management department and the technology department to explore potential business optimization and the development of convenient methods, aiming to further improve customer service capabilities and the prevention of business risks.

4. Special activities to strictly control key risks

In the first quarter, we will carry out a comparison and sorting out of the problems of each line department, and each business supervisor will compare and summarize the problems to find the existence of the center or the appointed bank. problems and rectified them; in the second quarter, the "Everyone digs out omissions and prevents risks everywhere" 100 risk suggestion activities organized all XX personnel to discuss risks not covered by the system in operations, organized the selection of the "Intelligent Eye Award", and some valuable items emerged risk prevention suggestions. In the third quarter, the XX Supervisor Case Conference was performed to vividly analyze specific cases that occurred in actual work, to further strengthen the construction of "compliance culture" and to effectively strengthen employees' awareness of work responsibility, system implementation awareness and internal control initiative awareness. ; A symposium for business managers was held in the fourth quarter to analyze and discuss risky business errors throughout the year one by one.

Summary of the work of the Bank Risk Management Department 5

XX is the first year of the comprehensive improvement stage of bank risk management. At the beginning of the year, the Risk Management Department formulated the overall idea of ??XX management reform and proposed to "consolidate, refine, and transform" Based on the principle of "improving XX processing capabilities and strengthening XX risk management and control" as the focus of work, enrich XX management methods, highlight centralized business processing, strengthen internal control management, improve service levels, ensure the effectiveness of XX monitoring work, prevent XX business risks, and strive to strengthen The XX management work of the branch has changed to a characteristic, proactive, multi-dimensional and coaching transformation.

In XX, the Risk Management Department will continue to play its functions of guarantee, service, and risk management and control, build a "combination punch", strive to promote the healthy and orderly development of the bank's XX business, and continue to work hard for the comprehensive improvement of XX management work. .

The work summary of XX and the work plan of XX are now reported as follows:

1. Reasonable allocation of personnel to ensure the normal operation of the business organization

Supervisor XX He is the on-site organizer of business XX of the business organization, the authorizer and approver of important business, and the on-site controller of XX risks. Various responsibilities illustrate the importance of supervisor XX in the business organization, so it is particularly important to manage XX supervisor well. . In XX, the Risk Management Department formulated a job rotation plan for XX supervisors to ensure the optimization, integrity, and efficiency of the XX team, and to ensure that business XX personnel fully grasp accounting and management requirements; secondly, a rotating leave system for XX supervisors was established to avoid taking vacations during peak vacation periods. Ensure the normal development of the business of the business organization and ensure the normal vacation of Supervisor XX. At the same time, through the rotation of Supervisor XX, as a duty performance review of Supervisor XX, discover and rectify Supervisor XX’s good methods and wrong practices to achieve uniformity across the bank. The third is to do a good job in supplementing and equipping the XX supervisor of the business organization, and assisting the XX supervisor in the normal development of various XX businesses of the branch.

2. Business training is in place to ensure that all business operations are compliant

After the new business is generated, the quality of business development is mainly due to insufficient training, so the training work It is very important. The Risk Management Department carefully sorted out the previous training methods and summarized the effectiveness of the training. At the beginning of the year, it re-formulated the "XX Business Training Plan", adopted centralized training (weekly training for XX supervisor and full-time personnel), and transferred training in different levels (by XX Supervisor) Transfer training to XX personnel of the assigned institution) and centralized assessment (examination organized by the Risk Management Department), with a view to continuously improving the professional quality and business skills of XX personnel at all levels to ensure that they have the ability to perform the responsibilities of their positions, so as to promote all XX The level of personnel service continues to improve.

3. Centralized business collection to ensure smooth, efficient and convenient business and promote branch transformation

Starting from March, the head office and branches have successively collected inter-bank payment business, intra-bank settlement business, There are 25 types of businesses in 9 categories, including personal account opening and contract signing business, check image withdrawal and withdrawal business, self-service equipment and banknote clearing business, loan issuance business, bill verification business, account entry business, and encrypted salary payment. Reduce the burden on branches and XX personnel, centralize risks, streamline business processes, and flatten management, so that counter employees have the opportunity and time to fully exert their "one sentence" function.

So far, a business XX pattern of "comprehensive acceptance at outlets and centralized back-end processing" has been initially formed, gradually realizing intensive business operation, centralized risk control and XX efficiency improvement. This will improve our bank's business efficiency, strengthen on-the-job prevention and control of operational risks, and promote the transformation of branches from transaction processing to marketing services.

The business will be concentrated and collected, reducing the number of branches by 13 people, reducing the pressure of public employees by 50%, and transferring 50% of risks for public employees.

IV. Innovate risk management and control methods to improve the risk prevention level of business institutions

In order to comprehensively improve the XX management level of branches and effectively control the operational risks of grassroots branches, we should serve the grassroots and improve the XX work The professional quality of employees, the risk management department strives to innovate, by compiling "XX Business Risk Monthly" and "XX Business Risk Quarterly", by issuing "Risk Warning Letters", by meeting and talking with risk-vulnerable institutions and personnel, and by appointing XX business supervision Personnel go to risk-vulnerable outlets to supervise and provide guidance, and by holding bank-wide XX business operational risk case prevention conferences, etc., they provide reference to the heads of business units and XX supervisors, making the XX work of the branch more convenient, intuitive and targeted, so that XX can be targeted Employees enhance risk prevention awareness, protect themselves, protect others, and protect the entire bank from risk losses. To establish a bank-wide risk management and control culture.

5. Combine technology with business, build a fast model, and strive to realize business

Combining the power of technology with the establishment of business can double the speed and accuracy of business processing. The risk management department and The Information Technology Department worked closely to develop the "Integrated Form Filling System for Centralized Processing of Branch Business", "Knowledge Base", "Question Base", and "Data Reporting System". The small system programs provide data reference and business inquiries for branches and employees. , managers use data analysis to fill out the order platform, which improves customer satisfaction, improves the quality of business accounting, and reduces the workload of XX personnel, reflecting the perfect combination of technology and business. Summary of the work of the Bank Risk Management Department 6

I am an employee of xxxxx branch. I started working in August 20xx and served as the comprehensive statistics post of the Risk Management Department.

Since I have been working for more than half a year, I have received various concerns and care from my leaders and seniors

. I have also received meticulous guidance at work, which has helped me become competent quickly. post. The Risk Management Department is the comprehensive management department responsible for the implementation, monitoring, evaluation and control of the comprehensive risk management policy of XX Branch. It is also the department responsible for daily management of risks and internal control. The comprehensive statistics position I hold is mainly responsible for the statistics, analysis and management of the bank's credit asset risk status and risk classification; responsible for the dynamic management and analysis of the bank's credit data.

In actual work, I mainly complete the following aspects: entry and verification of manual credit ledgers, dynamic control, analysis and management of actual credit business details, so as to facilitate timely and accurate Obtain various credit statistical data; maintain and manage the old credit system run by xx branch, conduct statistics and analysis of data and reports entered by various departments and offices; provide data and details of various credit assets of xx branch, complete four-level classification and Five-level classification statistical work and analysis work; monthly provision of detailed data on interbank operations to bank leaders and the accounting and financial department, corporate department, and personal finance department; monthly, quarterly, and annual, independently or in cooperation with the office, accounting and financial department and other departments Provide various credit data reports to the outside world. In addition, our bank has established a new position of information security officer. I am appointed as the information security officer of the Risk Management Department, responsible for the maintenance of department computer network information security.

In the more than half a year since I entered xxx, under the care and care of my leaders and seniors, I have worked hard with a humble and studious attitude, actively learned business knowledge, mastered operational skills, and adapted to my job, and I have basically been able to do a good job Complete their own work and other tasks assigned by the leadership. I am a newly graduated science undergraduate student. When I step into the workplace and come into contact with a brand new X job, I face new challenges. This process is not only a change of profession, but also a change of thinking and learning methods. In comprehensive statistics In my position, the care and guidance of my leaders and seniors made me realize that only with a rigorous attitude, correct methods, active communication, and hard thinking can we obtain the most accurate statistical data and the highest work efficiency. It is also the XX industry, a new job for me, that provides me with a brand new learning opportunity. Under the excellent growth environment of XX, I can develop the ability to continuously learn and acquire new knowledge in every day's work and life. , strive to understand the operating rules of the x industry and the financial industry, and apply every bit of what has been learned to actual work.

It is precisely because of the above understanding that I have worked hard to learn business knowledge from my seniors in the past six months, completed my statistical work rigorously and conscientiously, and achieved a timely, accurate and complete reflection of the xx branch Credit business conditions.

Completed the work of the information security officer seriously, performed daily maintenance of information security and established a security officer log. I have worked hard to develop good working habits and working methods. Recent work has made me more and more aware that good working habits are interoperable, especially in the organization of work. Under the guidance of my seniors, I will continue to work hard in the future. Keep up the good work.

The comprehensive statistics post of the Risk Management Department is a position that requires responsibility and patience. After more than half a year of study and practice, I firmly believe that I can do the job and make achievements; in my future work, I will also Keep working hard and become a better member of xx. Summary of the work of the Bank Risk Management Department 7

Since I entered xx Bank for more than half a year, under the care and care of my leaders and seniors, I have worked hard with a humble and studious attitude, actively learned business knowledge, mastered operational skills, Adapt to the job position and basically be able to complete their own work and other tasks assigned by the leader well. I am a newly graduated science undergraduate student. I am entering a new banking job and facing new challenges. This process is not only a professional change, but also a way of thinking and learning method.

In the comprehensive statistics position, the care and guidance of leaders and seniors made me realize that only with a rigorous attitude, correct methods, active communication, and hard thinking can we obtain the most accurate statistics. data and maximum productivity. It is also the banking industry, a brand-new job for me, that provides me with a brand-new learning opportunity. Under the excellent growth environment of xx, I can develop the ability to continuously learn and acquire new knowledge in every day's work and life. , strive to understand the operating rules of the banking and financial industries, and apply every bit of what has been learned to actual work.

The Risk Management Department is the comprehensive management department responsible for the implementation, monitoring, evaluation and control of the comprehensive risk management policy of xx branch. It is also the department responsible for daily management of risks and internal control. The comprehensive statistics position I hold is mainly responsible for the statistics, analysis and management of the bank's credit asset risk status and risk classification; responsible for the dynamic management and analysis of the bank's credit data.

In actual work, I mainly complete the following aspects: entry and verification of manual credit ledgers, dynamic control, analysis and management of actual credit business details, so as to facilitate timely and accurate Obtain various credit statistical data; maintain and manage the old credit system operated by xx branch, conduct statistics and analysis of data and reports entered by various departments and offices; provide data and details of various credit assets of xx branch, complete four-level classification and five-level classification Statistical work and analysis work at different levels; provide detailed data on the operation of the industry to bank leaders and the accounting and financial department, corporate department, and personal finance department on a monthly basis; monthly, quarterly, and annual, independently or in cooperation with the office, accounting and financial department and other departments to external Provide various credit data reports. In addition, our bank has established a new position of information security officer. I am appointed as the information security officer of the risk management department, responsible for the maintenance of department computer network information security.

It is precisely because of the above understanding that I have worked hard to learn business knowledge from my seniors in the past six months, completed my statistical work rigorously and conscientiously, and achieved a timely, accurate and complete reflection of the xx branch Credit business conditions. Completed the work of the information security officer seriously, performed daily maintenance of information security and established a security officer log. I have worked hard to develop good working habits and working methods. Recent work has made me more and more aware that good working habits are interoperable, especially in the organization of work. Under the guidance of my seniors, I will continue to work hard in the future. Keep up the good work.

The comprehensive statistics position in the Risk Management Department is a position that requires responsibility and patience. After more than half a year of study and practice, I firmly believe that I can be qualified for the position and make achievements; in future work, I will also Keep working hard and become a better member of xx.

Summary of the work of the Bank’s Risk Management Department 8

In order to comprehensively understand the bank’s risk management situation, effectively improve the bank’s risk level, and enhance the ability to identify, measure, detect and control risks, implement comprehensive risk management for the bank On a pragmatic basis, since the establishment of the bank, our department has mainly done the following work. Here is a brief summary of the recent work of the Risk Management Department:

1. Establish rules and regulations and build a structure

< p> First of all, according to the regulatory requirements of the banking regulatory department and combined with the development needs of XX Bank, our department has drafted 16 basic systems for non-performing loan management, accountability, internal control, risk management, etc. through learning and exploration. , is being further improved, and some documents are being reviewed and issued. Secondly, the bank has preliminarily clarified the risk management structure and responsibilities at all levels, and set up a risk management department at the beginning of the bank's establishment to specialize in risk management work, with currently three people.

2. Find out the financial situation and establish a pragmatic foundation

After the establishment of the bank, our department, under the leadership of the leadership, conducted a series of self-examinations and inspections on the asset quality and assets of our bank. An in-depth inspection of the management situation was carried out, which laid a solid foundation for the smooth development of various tasks in the future and provided a guideline for the leadership's decision-making. The first is to pay attention to basic work and create a tool inventory. We conducted a thorough inventory of incoming and overdue loans and new non-performing loans, large loans, non-performing assets and mortgage assets across the bank, and integrated the on- and off-balance sheet non-performing loan ledgers to create detailed records. The second is to strengthen inspection and supervision to find out the basics. In accordance with the requirements of the Provincial Associated Press documents, we completed the collection of non-performing political-related non-performing loans and the self-examination of the ten credit violations; organized and carried out bank-wide credit risk inspections, and conducted inspections on new loans, non-performing loans, mortgages and pledges, A comprehensive risk investigation was conducted on guarantee guarantees, loans under false names, new loan regulations and payment implementation, and related loans; preparations for the special inspection of the risk management work of the Provincial Association were completed; and a notice on the liquidation of collateral was issued. The third is innovative dynamic management and risk warning. At the beginning of each month, each branch carries out risk warnings on overdue loans and new non-performing loans, and supervises management and collection work.

3. Be a good assistant and prepare for the reform

For the smooth progress of the bank's reform, our department has undertaken many basic tasks of the reform, mainly inkjet printing of signboards and bronze medals for outlets. The production and installation of the luminous characters on the roof is now basically completed.

In the next step, our department will carry out work in the following aspects:

1. Further improve the department system.

Issue documents on non-performing loan liability, risk management, etc., so that there are rules to follow.

2. Strengthen the management of non-performing loans.

First, the non-performing loan ledger management system data is standardized and reported uniformly to each branch to strengthen management. The second is to establish a ledger for non-performing loans across the bank, clarify the person responsible for collection and management, and designate a collection plan. The third is to take the opportunity of collateral cleanup to urge all branches to clarify the collateral situation of non-performing loans, especially the collateral for non-performing and stock-funded non-performing loans, and require the establishment of ledgers, formulation of disposal plans, and increased disposal efforts. At the same time, the collateral of hidden non-performing loans that may have risks should be disposed of as soon as possible or preservation measures should be taken to prevent risks. Fourth, each branch must explain in writing the situation of overdue loans and new non-performing loans every month, analyze the causes, and implement disposal measures.

3. Strengthen the linkage with various functional departments.

Discover risks through comprehensive business inspections, provide risk reminders, and promote the healthy development of various businesses.

4. Organize and carry out risk management knowledge training.

Improve the risk awareness of all employees and lay a good foundation for establishing a long-term mechanism for comprehensive risk management.

V. Recommendations

It is recommended that the head office convene finance, credit, risk management and other relevant departments to resolve the separation of non-performing loan accounts and information due to the integration of outlets, and the confusion of non-performing loan management and collection. Carry out unified standards.