Credit approval is a pivotal process for banks to manage asset risks, standardize credit allocation, and support business expansion. It serves as a crucial hub for balancing security and development, compliance and innovation, as well as risk control and service. In recent years, CBHB (09668) has firmly established a work orientation centered on "controllable risk, compliance first, service as the foundation, and improving quality and efficiency" in its credit approval operations. Rooted in the fundamental role of finance, the bank has shifted from a "passive defense" stance to one of "proactive leadership." Through more precise risk control, more efficient processes, and more pragmatic services, it balances the dialectical relationship between risk prevention and business development. While fortifying financial security, CBHB precisely empowers frontline business expansion, achieving a virtuous cycle of controllable risk, orderly development, and enhanced service quality, thereby injecting strong momentum into the bank's high-quality development.
Moving the Checkpoint Forward to Build Safety Barriers at the Source
CBHB's credit approval work adheres to the principle of moving risk control forward to build credit safety barriers from the outset. Grounded in the stable development of business, the bank continuously transforms its risk control management model, increasing support and safeguards. While collaborating with business development, it integrates risk concepts and control measures throughout the entire business lifecycle, starting from the business development stage. Through methods such as parallel operations, proactive management, and coordinated pre-review, the bank assigns dedicated personnel to advance risk management. It deeply promotes industry research and planning management, continuously tracking and analyzing core industry logics including economic conditions, policy environment, technological changes, development prospects, market supply and demand, and competitive intensity. This enables the bank to position industries, identify clients, seize opportunities, and avoid risks, collaborating with business lines to find high-quality transformation and development opportunities and breakthroughs that can navigate complex economic cycles. By forming comparative advantages, CBHB leads the entire bank in seizing development opportunities, responding to risk challenges, clarifying industry orientation and credit strategies, improving industrial financial solutions, and setting management requirements. This provides strong support for business development while unifying risk appetite.
Implementing Precise Measures to Synergistically Activate Operational Momentum
CBHB's credit approval work closely follows national policy adjustments, continuously optimizing and implementing proactive, reasonable, categorized, and dynamically adjusted credit strategies. The bank focuses on accurately translating the overall business strategy into its risk appetite, making it concrete, multi-dimensional, and refined from perspectives such as "region + industry + product." This transforms the risk appetite into actionable and assessable business language, enabling both market and risk control personnel to have a unified understanding and judgment of the bank's overall risk preferences. A regular and dynamic mechanism for reviewing and adjusting these preferences is also established. Simultaneously, the bank coordinates efforts across key areas, key clients, and key product lines, involving both headquarters and branches, to provide differentiated credit support based on regional characteristics. The logic of risk management has shifted from "passively accepting business applications" to "actively researching industry trends," treating external industrial policies and industry sentiment as core preconditions for credit access. This ensures that "credit allocation moves in sync with the development of the real economy and aligns with high-quality industrial sectors."
Upholding Synergy Between Credit Examination and Lending to Activate Operational Momentum
CBHB's credit approval work adheres to the principles of focusing on core responsibilities, taking proactive initiative, concentrating on essentials, and ensuring efficient collaboration. The bank has established cross-functional and cross-departmental coordination and safeguard mechanisms, consistently implementing measures such as dedicated personnel support and full-process follow-up to aid in product development, process streamlining, and proactive client acquisition. It enhances proactive management by establishing pre-approval communication channels and rapid response mechanisms to improve credit approval efficiency. The bank strengthens branch research, establishing smooth two-way communication channels to understand the operational thinking and business needs of branches, reaching consensus on risk appetite, asset allocation, client selection, and credit strategies, thereby solving practical problems for the branches. The bank dispatches industry experts and key business personnel to participate in regional, industry, key client, and peer research, providing professional advice from a credit approval perspective on cooperation plans and proactive credit facilities. This promotes the implementation of client marketing, product integration, and regional development coordination. Based on national policies, regulatory guidance, and market changes, the bank adopts a dynamic risk control model for eligible regions, supported entities, and service products, working collaboratively to ensure the quality of client, business, and product selection.
Risk control is the prerequisite for development, and development is the goal of risk control. CBHB consistently recognizes that stringent risk control does not hinder business development but rather safeguards its high-quality and sustainable growth. Through the regular implementation of forward-shifted risk control, CBHB's credit business has continuously strengthened its risk resilience. Asset quality has remained stable and improved, with the safety barrier for assets becoming increasingly solid. Furthermore, the preemptive and precise approval services have effectively dismantled procedural and risk barriers to business development, significantly enhancing the precision of financial services and client satisfaction. This assists frontline business teams in accurately acquiring clients and operating efficiently, achieving a mutual empowerment and enhancement of both "risk prevention" and "development promotion."
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