Low-risk business is a credit business with a deposit of 100% (including voucher-type government bonds and time deposit certificates recognized by banks) and does not need other supporting credit support from banks.
ICBC Tai 'an Branch requires that the low-risk businesses pledged by certificates of deposit and bills should be frozen and stopped, and the copies 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 take good care of certificates of deposit, effectively strengthen the custody of pledge rights certificates in low-risk credit business, and implement management responsibilities.
Extended data:
Ziyang Branch of China Industrial and Commercial Bank put forward "five strengthening" measures to effectively strengthen the low-risk business of corporate customers.
1 is the consciousness of strengthening system implementation. Credit-related majors of branches should strengthen the construction of basic credit system, analyze the basic situation of customers, and do a good job of data collection and 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 relevant systems and require post-loan inspection, early detection and early warning.
5. It is to strengthen accountability for rectification. In accordance with the principle of "checking while making changes", the issuing bank and branches of this inspection carefully analyzed the causes of the problems, and found out the rectification situation existing in business management and workflow according to the "Three Requirements for Problem Rectification".