1. Formulate risk management and credit management systems, methods and operational specifications.

2. Be responsible for establishing and maintaining the bank-wide risk control system.

◆ Business planning

3. Formulate the bank-wide risk management work plan and annual work plan.

◆ Authorization management

4. Responsible for authorization and sub-authorization.

◆ Risk management

5. Take the lead in the management, review and evaluation of comprehensive risks such as credit, operation, liquidity, reputation and information technology.

6 responsible for comprehensive risk monitoring and management, including risk early warning, risk measurement, risk control and risk assessment.

7. Be responsible for the development and promotion of risk management technology of the whole bank.

8. Be responsible for asset risk classification management, approval and identification of the whole bank.

9. Be responsible for the preparation, evaluation, monitoring and analysis of the overall asset quality control plan.

10, responsible for reviewing the write-off of bad debts and organizing the provision of bad debt losses for the whole bank.

1 1. Responsible for reviewing and approving the write-off of major asset impairment, fair value and losses.

12. Assist the Planning and Finance Department to prepare for various losses and risks.

13, responsible for compiling and reporting off-site supervision statements (1 104).

14, responsible for setting, monitoring and daily control of risk supervision indicators such as capital adequacy ratio, non-performing asset ratio and provision coverage ratio.

15, responsible for data reporting of customer risk monitoring system at the corresponding level, and guiding all branches to do a good job in data reporting.

◆ Credit management

16, responsible for bank-wide credit management.

◆ Credit management

17, responsible for the construction and maintenance of the credit management system.

18, responsible for the management and maintenance of the accounts receivable pledge registration system.

19, responsible for checking the implementation of credit system and the implementation of credit business approval conditions.

20. Analyze and monitor the loan quality, investment structure and investment progress of the whole bank.

2 1. Evaluate and check the quality of credit approval; Make exit plans for potential risk customers and supervise their implementation, and put forward risk resolution measures.

22. To be responsible for coordinating the monitoring and management after the occurrence of credit business and supervising the daily management of business departments after the implementation of credit.

23. Take the lead in compiling and reviewing the credit management manual.

24. To be responsible for inspecting and guiding the credit file management of the whole bank and sub-branches.

◆ Rating management

25. Be responsible for formulating the customer rating system and operating procedures, and supervise the implementation of the sub-branch rating work.

26. Responsible for debt rating and customer risk rating.

◆ Other responsibilities

27. Be responsible for the report statistics of this line and submit it to the Development Research Department on time.

28. Responsible for the daily work of the office of the Credit Approval and Risk Asset Disposal Committee.

29. Be responsible for the identification of the Group and related customers and the daily monitoring and management of related transactions.

30. Responsible for the supervision and inspection of this business line.

3 1, responsible for the risk prevention and control of this line, to resolve all kinds of risks.

32. Be responsible for the guidance and information exchange of this business line.

33, complete other work assigned by the leadership.