Changji Branch's "three measures" to reduce non-performing loans have achieved initial results.

In order to continuously strengthen the quality control of credit assets, Changji Branch has always regarded the collection of non-performing assets as the top priority, and effectively resolved and prevented the risk of credit funds through measures such as up-and-down linkage, internal and external joint efforts and legal proceedings. By June 30th, the NPL had been collected14.698 million yuan, and 46 cases were applied for execution, exceeding the NPL control target of regional branches.

First, organize leadership and strengthen confidence. Set up a collection team for non-performing assets, with the President as the team leader, and hold regular meetings of the collection team for non-performing assets to inform and follow up the progress of the collection and resolution of high-risk assets and non-performing assets, so that the front, middle and back offices can work together to actively reduce non-performing assets, further demonstrating the confidence and determination of the front and back offices to collect non-performing loans.

Second, establish a ledger and pay close attention to implementation. The Management Department and the Risk Department cooperate with each other to compare and analyze the overdue customers of personal loans every month, find out the overdue reasons and risk characteristics, establish a collection account, take collection measures by classification, collect what can be collected, collect all the receivables, collect at home, visit customers who are unwilling to repay, check them one by one, leave no dead ends, and earnestly achieve "every house to every house, with a stroke of a pen".

Third, strengthen communication and respond to complaints. The business department and the risk department sort out the customers who are overdue for many times and are unwilling to repay, hold a wind review meeting in time, hand over the customers who intend to take judicial measures to the risk department, and promote execution or litigation with the help of notaries, lawyers and external forces of the court.