What is low-risk credit business?

Low-risk business is a first-class and second-class foreign government loan business with a deposit of 100% (including voucher-type government bonds and bank-approved time deposit certificates), which does not need other supporting credit support from banks and is fully covered by bank credit support and commitment.

ICBC Tai 'an Branch requires that the low-risk businesses pledged by certificates of deposit and bills be frozen and stopped, and the frozen and stopped payment materials and copies of certificates of deposit and bills should be checked by two people, signed and stamped with the seal of "Check with Original" and filed. Bill pledge business also needs to provide proof of authenticity inquiry to ensure the authenticity and validity of the bill.

Sub-branches will hand over the original certificates of deposit, bills and other documents to the Operation Department for safekeeping, effectively strengthen the custody of pledge rights certificates in low-risk credit business, and implement management responsibilities.

Extended data:

Industrial and Commercial Bank of China Ziyang Branch put forward "five strengthening" measures to effectively strengthen the management of low-risk business for public customers;

1 is the consciousness of strengthening system implementation. Credit-related majors of branches should strengthen the training of basic credit system and operation process, carefully analyze the basic situation of customers, and do a good job of data collection and data summary according to the process to ensure the timely recovery of loans.

2. Strengthen the management of pledged goods. Where a bill is pledged by a silver ticket, the relevant requirements of the bill endorsement shall be strictly implemented and recorded according to the facts to ensure the continuity and effectiveness of the bill endorsement; Where certificates of deposit are pledged, fees shall be charged to the deposit bank and a confirmation letter shall be obtained.

3. It is to strengthen the monitoring of the flow of customer loan funds to prevent credit funds from flowing into the stock market, futures market, foreign exchange market, property market and other risks.

4. Strengthen post-loan management responsibility. Relevant branches and departments earnestly implement the basic duties of post-lending managers, carry out post-lending inspections in strict accordance with the requirements of relevant systems, and achieve early detection, early warning, effective prevention and timely measures.

5. It is to strengthen accountability for rectification. With regard to the problems found in this inspection, the relevant disciplines and sub-branches of the branch carefully analyzed the causes of the problems according to the principle of "checking while correcting", and found the weak links in business management and workflow according to the work requirements of "three cleanups and three in place" for problem rectification, and immediately rectified them.

Baidu Encyclopedia-Low Risk Business

Ziyang Net-Ziyang Branch of Industrial and Commercial Bank of China has taken a number of measures to strengthen the management of low-risk credit business for corporate customers.

Is Dazhong? Does ICBC Taian Branch take measures to strengthen the management of low-risk credit business?