Wang Yong, general manager of the Risk Management Department of CCB: Risk management capabilities must be in front of the business development curve

Hu Qun, a reporter from the Economic Observation Network, "firmly establishing a comprehensive risk management concept is the fundamental strategy to deal with the current complex and severe external situation. The current risk point, the source of risk, and the risk form have increased significantly, and the risks are intertwined with each other. It is stronger than any time before, and we must further strengthen comprehensive risk management. "On September 26, Wang Yong, general manager of the Risk Management Department of the CCB," 2022 China Financial Innovation Forum "and" China Finance "hosted by the" Bank of China "and" China Finance The innovation achievement conference "said.

Wang Yong said that risk management should cover all risks and incorporate all potential risks, new risks, and emergencies into the field of risk management. At the same time, risk management should cover all businesses. For various internal and external businesses of banks, we must comprehensively manage risks from the perspective of the financial system, and create a risk prevention and control ability of the total branches, domestic and foreign, parent and child companies, and groups. The essence is more important than the form and penetration principles, strengthen the sharing of risk information in the group, and ensure that risk management does not leave dead ends.

"Risk management capabilities are the core competitiveness of financial institutions, especially large -scale commercial banks. The more intricate the external situation, the more complicated the risk management needs to play a greater role in serving the real economy and supporting the high -quality development of the business." Wang Yong said In this context, the risk management capabilities must be further realized before the business development curve, and the ability to improve the ability should be further realized. We must deepen the comprehensive and active intelligence modern risk control system from three aspects: systemic thinking, customer thinking, and innovative thinking.

"From the GDP income method, to understand the inevitability of risk management actively serving the market entity. The GDP income method mainly reflects the return of labor, land, capital and other production factors from the perspective of the market. From a micro perspective, a city or an economy's GDP , It should be equal to the sum of the GDP created by the enterprises it under its jurisdiction. Risk management must return to the origin of the customer, strengthen the customer center concept, and do a good job of risk recognition and resolution of various market entities and its industry related businesses and related entities. In this process, the risk management of the group integration is not only an inevitable requirement for providing customers with comprehensive financial services, but also an inevitable requirement for preventing and resolving risks. "Wang Yong said.

Wang Yong said that risk control innovation must have a certain forward -looking. Bank operations should take risk control capabilities as the boundary, but this boundary is not rigid or solidified. Managers can adjust in a timely and moderate adjustment with the changes in the situation and goals. moat. To have this ability, the risk management of commercial banks must be continuously innovative, iterated, and promoted to become the forefront of application fintech and data assets. The nature and logic of risk management in the digital economy have not changed. The external economic situation, market environment, customer needs, and technical tools are changing. Banks must adapt to change, embrace digital economy and fintech, and also return to common sense. The combination of human -computer, combining online and offline, continuously improve and improve the level of intelligent risk management.

According to data from the CBRC, the non -performing rate of commercial banks in my country has achieved seven consecutive quarters. As of the end of the second quarter of 2022, the balance of non -performing loans of commercial banks was 2.95 trillion yuan, and the non -performing loan ratio was 1.67%, a decrease of 0.02 percentage points from the end of the previous quarter, a year -on -year decrease of 0.09 percentage points. In particular, large and medium -sized banks have decreased significantly, while the adverse rates of small and medium banks remain high.

At the end of the second quarter of this year, the non -performing rate of large state -owned banks was 1.34%, a year -on -year decrease of 0.11 percentage points, which maintained a low level; the non -performing rate of joint -stock banks was 1.35%, a year -on -year decrease of 0.07 percentage points; Rap 0.07 percentage points, the adverse rate of Rural Commercial Bank was 3.3%, a year -on -year decrease of 0.28 percentage points. Except for the city commercial banks, various commercial banks in the second quarter achieved a decline in adverse rates.

"In recent years, the decline in the overall non -performing rate has benefited from the improvement of the bank's operating performance and the expansion of the reflection of credit. Under the guidance, it has generally increased non -performing loans to be added since 2021. "On September 16, the" 2022Q2 Banking Industry Operation "released by the National Financial and Development Laboratory was displayed.

Although the non -performing rate of the banking industry is declining, the balance of non -performing assets is still rising, and from the perspective of focusing on loan indicators, the quality situation of potential non -performing assets is not optimistic.

The semi -annual report shows that the balance of non -performing loans of state -owned commercial banks increased by 7.80%to 1.25 trillion yuan from the end of 2021; overdue loan balance increased by 790%to 1 trillion yuan.

"2022Q2 Banking Industry Operation" shows that at the end of June, banks were concerned about 4.03 trillion yuan, an increase of 7%year -on -year, the highest increase since March 2020, and it has been at a high level in recent years. Pay attention to the rise in the scale and proportion of loans that indicate that at this stage and a certain period of time, new bad growth may face greater growth pressure.

"After the epidemic, the CBRC promoted the banking industry to increase the disposal of non -performing assets. In 2020 and 2021, a large -scale decoction and disposal for two consecutive years have been carried out, which effectively reduces the risk of the entire banking industry. Although the entity is entityThe risk of economic risks is large, but the bank's adverse rate is basically maintained in a relatively stable state. "Zeng Gang, director of the Shanghai Financial and Development Laboratory, said that although banks still have pressure on newly generated non -performing assets, the disposal of non -performing assets for stockFast, so the risk pressure faced by the banking industry is decreasing.Data show that in 2020, the banking industry had a total of 3.02 trillion yuan in non -performing assets, and in 2021, the banking industry had a total of 3.13 trillion yuan in non -performing assets.On July 21, Xiang Xiang, a spokesman for the China Banking Regulatory Commission and director of the Regulations Department, said that in the first half of the year, the disposal of non -performing assets was 1.41 trillion yuan, and the annual disposal was 219.7 billion yuan.

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