In a significant move, CBHB (09668) has entered into a deep collaboration with the Tianjin Municipal Audit Bureau, leveraging the "Intelligent Governance Platform for Economic Security Audit and Supervision" to pioneer a new model of data sharing and joint risk prevention and control between banks and government bodies. As the sole nationwide joint-stock commercial bank headquartered in Tianjin, CBHB is proactively integrating into the local framework for source-level prevention and governance of economic security audit supervision, utilizing digital and intelligent means to enhance risk identification and early warning capabilities, thereby providing a replicable "CBHB Solution" for regional economic security.
Advancing the Frontline: A Joint Risk Control Posture
The Intelligent Governance Platform for Economic Security Audit and Supervision, developed by the Tianjin Municipal Audit Bureau, shifts the focus of risk supervision from post-event to source-level intervention. It concurrently establishes a mechanism for inviting and stationing personnel, guiding financial institutions to collaborate on risk prevention from the business front end. Recognizing participation in source governance as a core responsibility of a locally-headquartered bank, the CBHB Party Committee swiftly established a dedicated task force led by senior management with cross-departmental coordination. The bank dispatched key business personnel for on-site training at the Audit Bureau, deeply engaging in platform application and risk model development. It also actively participates in the Tianjin Municipal Financial Office's special task force for financial risk prevention, establishing a regular coordination and promotion mechanism.
To date, CBHB has been deeply involved in the co-construction of five cutting-edge risk models and has independently designed and developed over 30 precise risk indicators, establishing a sensitive "monitoring probe." Two of these model outcomes have been awarded "Weekly Excellence" and "Monthly Excellence" recognitions by the Audit Bureau. Recently, Chen Min'er, Secretary of the Tianjin Municipal Party Committee, and Zhang Gong, Deputy Secretary and Mayor, conducted an on-site inspection at the Audit Bureau, specifically reviewing the platform's operation and visiting the data analysis room of the financial stationing task force. The municipal leaders affirmed the task force's work, emphasizing the need to persist with digital and intelligent empowerment, achieving precise control, seamless integration, and resounding impact to "treat existing illnesses and prevent future ones."
Penetrating Early Warnings: Intelligent Tools Reshape the Risk Control Loop
Currently, the hidden and complex nature of risks among existing credit clients continues to rise, with traditional risk control methods facing bottlenecks such as difficulty in precise identification and lagging warnings. The Intelligent Governance Platform integrates multi-domain data resources, equipped with three core systems—big data governance, intelligent auditing, and smart supervision services—providing support for the banking sector to overcome risk control challenges.
During the pre-loan access phase, the platform provides real-time information on a company's operational status and records of violations or defaults, assisting banks in vetting creditworthiness. In the loan review phase, it enables rapid cross-validation of data to form professional opinions. For post-loan management, the platform's specialized analytical models can efficiently penetrate and identify various high-risk signals, such as being a judgment debtor or the actual controller having a major illness, accurately capturing hidden risks difficult to detect through traditional manual checks.
Taking a manufacturing-based inclusive finance enterprise as an example, the company had a long-standing cooperative relationship with CBHB with a good履约 record. The platform accurately captured during routine monitoring that the actual controller had a major illness medical record. Further verification revealed that this person was no longer involved in operations but had deliberately concealed this fact. Instead of simply recalling the loan, the bank, after assessment, added the controller's children as joint guarantors. This approach effectively mitigated credit risk while avoiding unnecessary disruption to a normally operating enterprise. This case vividly demonstrates the platform's key value in shifting risk control from "post-event remediation" to "pre-event warning."
Digital-Intelligent Defense: Combined Forces Safeguard Economic Security
The value of data lies in its flow, and the efficacy of models lies in their application. CBHB emphasizes both "internalization" and "empowerment," extending the value of audit data to business frontline units. The bank has organized specialized training covering eight business departments, promoting the platform's application in various scenarios such as early warning monitoring for existing clients, early operational warnings for enterprises, and关联排查 for group clients. Focusing on prominent issues like "professional debt carriers" and "debt evasion," the multi-dimensional risk indicators and intelligent screening models co-designed by the bank have transformed audit data into practical tools for risk prevention and control.
Transitioning from passive受理 to proactive engagement, from post-event remediation to pre-event warning, and from isolated efforts to joint prevention and control, the collaborative practice between CBHB and the Tianjin Municipal Audit Bureau provides a valuable exploration for financial forces participating in economic security governance. Moving forward, CBHB will continue to deepen strategic bank-government collaboration, strengthen whole-process risk prevention and control, and support the real economy with more solid financial services to safeguard regional economic security.
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