The main responsibilities of the Risk Management Department are credit risk identification, measurement, analysis, monitoring and control, including: (1) credit review; (2) Risk identification, measurement and classification (including five-level classification and credit rating management); (3) Customer (or project) overall risk control, post-lending risk analysis and monitoring, post-lending management inspection, risk early warning, etc. ; (four) industry, country or region, product risk analysis, monitoring and early warning; Monitor and analyze the overall risk of the bank's credit portfolio, and put forward risk limits, risk prevention measures and risk limit adjustment suggestions for various industries, countries or regions and credit products; (5) Formulation and management of the credit policy system.

Departmental functions

(A) risk assets monitoring

1. Responsible for formulating various internal approval procedures and operating procedures, and setting and reviewing them regularly according to the nature, scale, complexity and risk tolerance of the business.

And update the quotas at all levels;

2. Be responsible for summarizing the classification of credit assets of the whole bank and finally determining the five-level classification of credit assets;

3. Be responsible for reviewing the preserved non-performing assets reported by branches and reporting them to the Credit Review Committee for approval;

4. Report relevant market risk analysis to the board of directors and management, and put forward relevant action suggestions.

Credit risk management

1. Identify, measure and manage credit risks with the support of policy guidelines and tools, including credit risk analysis, credit (including loans, bills, letters of guarantee, etc.). )

Close business) approval and credit monitoring. ;

2. Carry out training and guidance related to credit risk management;

3. Organize and coordinate the meeting of the Credit Review Committee of the Head Office;

4. Handle credit-related work, including loan inspection, document management and various related statements, and cooperate with the People's Bank of China and the Banking Regulatory Commission to complete various inspections and investigations.

Post setting and personnel

(A) post setting

At present, there are 7 positions in the Risk Management Department, mainly including general manager, deputy general manager, risk monitoring and early warning, risk data analysis, credit review, loan authorization and comprehensive file management.

(2) Members

1, general manager

2. Deputy General Manager

3. Employees

(3) division of labor

1. The general manager is mainly responsible for presiding over the overall work of the Risk Management Department;

2. The deputy general manager assists the general manager in his overall work and is responsible for risk data analysis and loan authorization;

3. Employee A is responsible for loan authorization and credit file management;

Employee B is responsible for credit review, risk data analysis and credit review meeting;

Employee C is responsible for risk monitoring, early warning and credit review;

Employee D is responsible for the background work of the risk management department;

Employee e is responsible for credit review and monitoring the credit rating of corporate customers.

operating duty

(a) the general manager's job responsibilities

1, organize risk level review:

To be responsible for organizing the investigation and analysis of the Bank's market risk, policy risk and credit risk management, and organizing the preparation of relevant risk early warning reports; Organize customer risk rating and credit granting; Organize credit risk review and provide support for the credit review Committee to approve loans; Organize the loan issuance approved by the organization;

2. Organize and supervise the evaluation and review of credit risk and market risk;

Responsible for organizing, supervising and auditing the information of loan customers, and understanding the relevant information of loan customers; Organize and supervise the identification and measurement of relevant credit risks and market risks; Organize and supervise the risk rating of customers, ensure the fairness and accuracy of the rating, and organize and supervise the re-rating of customers who have undergone major changes after lending; Organize and supervise the loan review opinions issued by the Credit Review Committee to ensure that the Credit Review Committee makes correct judgments and ensures the safety of loan issuance.

4. Coordinating and organizing meetings of the Credit Review Committee;

Responsible for coordinating and convening the meeting of the Credit Review Committee, determining the credit review topics and arranging the agenda of the meeting.

(II) Responsibilities of the Deputy General Manager

1, risk data monitoring and analysis:

Responsible for managing the general ledger of credit business of the whole bank; Statistics and analysis of the bank's credit business data; Bank-wide statistics on risk management; Provide relevant data of risk management for relevant departments.

2. Loan authorization (corner)

Responsible for reviewing the relevant information of customers who have approved loans at the meeting of the Credit Review Committee, and authorizing loans to customers within the scope of authorization (Angle A).