Group management of affiliated companies ??(A) the focus of the group associated with enterprise-wide monitoring ?Those who have been or will be set up credit relationship with the bank, has the following characteristics of the group affiliates should be gradually included in the monitoring range: ?1. Investment relationship exists, in equity or management decision that has directly or indirectly controlled and controlled several companies, such as the parent company and subsidiaries, holding companies and their subsidiaries and the holding, directly or indirectly, to be owned subsidiary (hereinafter referred to as the first a class of related enterprises). ?2. Investment relations do not exist, but implementation of the Group System Group and its member companies (hereinafter referred to as second- class affiliates). ?3. Whether ´æÔÚ investment relations, natural or close family members with major investor individuals as key management personnel or to otherwise direct control Qi Ye (the following referred to as the third Lei associated companies). ?Principal individual investors, directly or indirectly control a company 10% or more of the voting capital of individual investors. Refers to the right and the key management personnel responsible for planning, command and control activities of the enterprise. Close family members of individuals whose primary investors, and key management personnel of the parent, spouse, children, brothers, sisters. ?4. There may be other related party transactions and transfer of assets, income and profits, should be treated as a group enterprise management of multiple enterprises and corporate loans (hereinafter referred to as the fourth class of associated enterprises). ?Currently, the main concern should be the first class line and the same natural person as the legal representative of the third type of credit risk associated with business, in particular, parent-subsidiary or more of them are in my line of business financing and financing volume in 50 million yuan ( inclusive) or more associated enterprises focus control group. The other group of related enterprises, according to the bank financing volume and level of risk, choice, step by step into the control range. ?(B) to strengthen the credit management group affiliated companies, focusing on three areas of work to do: ?1. Identify the organizational structure and associated enterprises of the association between relationship; ?2. Identify the true financial position of enterprises, which eliminate the associated transaction of assets, liabilities, revenues, profits, related party transactions as of the financial situation of the enterprise; ?3. Complete control of group dynamics associated with enterprise management, enterprise information to ensure the timely collection and sharing, to enable early warning of risk. ?(C) the implementation of differential treatment, classification management, credit policy ?Connection with the lines of credit to enterprises Gudong state, between the correlation methods, Jing Ying risk level, ¹æÄ£ An Approach to velocity and the head office of Xingyexindai policy will be differentiated, on Jituanguanlian business practice Qubie treatment, classified management of credit policy. ?1. Focus on the development and has industry support and highlight the main business and relationship stability and clarity, no bad credit record, management stability, in line with my line of trade credit policy group associated with the production-based credit business relationship. ?The types of customers in line of credit, the credit rating of the corresponding processing according to various types of financing. ?2. Careful intervention by the rapid expansion of capital operation, management and main business area is not changing outstanding production associated with the complex relationship between group affiliates. ?Strictly control the types of customers the total credit, care and release large amounts of credit, trade background in the critical review of the authenticity based on their commercial acceptance bill carefully handle business; of the credit has been issued to implement as much as possible security, in particular, significant risk is found, to be secured as soon as possible. ?3. Strict control is mainly engaged in capital operation, foreign equity investment more than 50% of net assets of enterprises (hereinafter referred to as investment enterprises) and the third category of related financing business enterprises, depending on the circumstances, to which the inclusion of risky business list of high-risk customers. ?In addition to state authorized investment institutions, the state holding company and the provincial government-funded investment company established by paragraph 5 of this control on the other investment type companies, in principle, only the head office of the credit policy Banli admission of a person's project loans, and low-risk guarantee business, shall not apply for other financing. Among them, the equity investment greater than the net assets of enterprises shall be allowed additional financing; private investment in addition to low-risk enterprise security business, the new financing, are submitted to headquarters for approval. Investment enterprises do not meet these requirements stock financing, to take measures to withdraw as soon as possible. ?The third class of associated enterprises, in addition to financing low- risk security, the comprehensive to the approved credit limit and the maximum credit operations, through the set time limit, limits, guarantees and conditions with the industry accounting for such restrictions, strict examination and control of other financing business. ?4. Prohibition does not meet the bank sector credit policies, in low, inefficient production and business sectors, low economic efficiency, high levels of debt the group of related enterprises, in particular, the general technical level, market saturation, in the traditional processing and manufacturing production and operations private banks new financing, and in strict accordance with the head office of the trade credit policy, formulate an exit plan to gradually reduce the stock of financing. ?5. Control group or holding company headquarters (hereinafter referred to as the Group headquarters) of the financing risks. The first class of interconnected companies and to form the third category of group affiliates, the Group headquarters and its subsidiaries to me that the line of financing, according to the following principles to master: ?(1) directly engaged in production and operation, with operating cash flow of the group, and led by the head office of the State authorized investment marketing, national and provincial government-funded holding company set up by investment-oriented companies (asset management company), may credit policy by industry and customer credit rating, the highest in the comprehensive credit line approved to handle their financial business, to allow the Group subsidiary companies under the control of this Part for the unity of the borrower. ?(2) Subject to the head office of the state authorized investment led by marketing agencies, national and provincial government-funded holding companies set up investment companies (asset management companies), the charge against investment income only to the subsidiary or headquarters group management fees, in addition to low-risk security business, to strictly control new financing, no credit loans, shall not apply to issue or acceptance by the commercial acceptance bill discount, at the same time, to its power to approve new financing business focus to a ( directly) branch and head office. ?(3) provide assistance only to affiliated enterprises (such as water, electricity, steam) service, or logistics support, closely related party transactions with affiliated enterprises group headquarters, in principle, to the additional financing, of which the use of funds clearly do have solvent , and to the comprehensive analysis of its subsidiaries related transactions, services, prices based on situation and accurately determine solvency and prudent handling financing business. ?6. Any application for financing to the Bank Group's affiliate, the Bank shall in writing all of its affiliates, including information related to each other the relationship between ownership structure, legal representatives and key management personnel of the situation and credit records. On the concealment or does not provide the above conditions, shall not be granted financial support. ?7. The line to the RMB loan and guarantee contracts, foreign exchange loan and guarantee contracts, small business loan and guarantee contracts, foreign currency loans and guarantees transfer credit contracts, the liquidity cycle of the loan contract, the domestic factoring business agreements, stock-secured loan contracts, real estate development business loan contracts and other financing contracts, agreements, add provisions related customer risk prevention. Risks associated increase in terms of the way our customers in the format of the contract, "the two sides agreed to other terms" in the state; if not using I-line format, the contract should also actively seek expressly agreed in the contract or include related customer risk prevention terms. Risks associated with customer model clauses read as follows: ?Borrower (or other debtor, the same below) should be timely, comprehensive, and accurate disclosure to the Bank and its affiliated transactions related party relationships. Borrower fails to perform the information disclosure obligations or the borrower and its associated one of the following circumstances has arisen and the borrower may discharge its obligations under this contract that adversely affect, the Bank the right to take this contract and the law of remedies: ?(1) the borrower's financial situation deteriorated related parties; ?(2) the borrower or its related parties is a judicial or tax, business and other administrative law enforcement agencies and administrative authorities for investigation or to take punitive measures according to law; ?(3) the borrower and its related parties control or control relationship between the change; ?(4) the borrower's related parties or may involve significant economic disputes, litigation and arbitration; ?(5) the borrower's principal individual investors, key management personnel changes or abnormalities were suspected of criminal acts according to the investigation or judicial restriction of personal freedom; ?(6) the borrower's related parties, the potential negative impact on the borrower and other matters. ?Based on "Accounting Standards for Enterprises - related party relationships and transactions disclosed in" this section of the related party is: ?(1) The borrower, directly or indirectly controlled by other enterprises, or directly or indirectly controlled by the borrower's other businesses, as well as borrowers with a business controlled by other companies; ?(2) the borrower's joint venture; ?(3) the borrower's joint venture; ?(4) The borrower principal individual investors, key management personnel or their close family members; ?(5) by the borrower into the principal individual investors, key management personnel or their close family members of the direct control of other enterprises. ?Other terms in this section and the "Accounting Standards for Enterprises - related party relationships and transactions of disclosure" in the same words have the same meaning. ?8. Related to the Group's business in the following acts, to include credit blacklist, filling in the credit management system identification, both in the prompt settlement of income financing the same time, the Bank shall not provide any additional financing to the customers. ?(1) providing false materials or conceal important facts in financial management; ?(2) refuse to accept the use of bank funds to their credit and financial activities related to management oversight; ?(3) enterprises and their legal representative, the key management personnel have bad credit record; ?(4) enterprises engaged in illegal business and related malicious transactions, evasion of bank debts behavior. ?(D) the establishment of the Group's credit management responsibilities associated with enterprise system ?Included in the scope of the monitoring group of related enterprises, according to the "unified management, coordination and cooperation, division of labor" principle, the establishment of group affiliates control responsibility system, determine the control line and co-host lines, were implemented rating, credit, loan pre-survey , review and post-loan management responsibilities. Sponsored by the Group related line of business group headquarters or major branches of the enterprise is registered as co-line by the credit relations with other enterprises as the location of branches. All groups were associated with enterprise level, directly under the branches registered within its jurisdiction, one directly under the branches to be well coordinated monitoring organization, in accordance with the favorable business development and strengthening of management principles determine the host line, co-line; Group Affiliates are not the same level (directly under) branch registered under their respective jurisdictions, commissioned by the head office or head office level (directly) branch line of the specified host and co-line, is responsible for monitoring the work of management and coordination. ?1. The main duties of host line is: ?(1) responsible for the Group's corporate headquarters or major credit before the survey, preliminary loans, closing loans and earning interest and other regular credit management, responsible use of its credit funds and financial activities related to supervision and management of business; ?(2) to identify and verify the group headquarters or major business enterprises and other related relationship between the association and is responsible for the Group's corporate headquarters information and identify relationships between the associated input credit management system; ?(3) of the head office directly to a credit program, approved by the highest combined credit of enterprises, the lead good credit information collection, do group association corporate responsibility and customer credit rating, to coordinate between the various related enterprises line of credit allocation, adjustment; ?(4) The bank is authorized or the approval of higher authority within the lead organization within the Group associated with the syndicated loan business line of the work; ?(5) to collect the Group headquarters or principal associated with the production, management and developments, as well as affiliates ownership structure, investment strategy, legal representatives and key management personnel changes and other important information, timely notification to the co-line situation, and the co- between the lines to establish regular contact and information exchange system. ?2. Co-line functions are: ?(1) is responsible for site investigation related business loans before the loan first instance, closing loans and earning interest and other regular credit management, responsible for corporate credit association where the use of funds and financial activities related to supervision and management of business; ?(2) timely collection, provide customer information, data, line well organized group with the associated business credit rating and unified work; ?(3) is responsible for corporate information on a regular basis will be recorded within its jurisdiction the credit associated with integrated management system. ?The Bank and the co-hosting the visit is to effectively fulfill this responsibility, to strengthen communication and coordination on the failure to perform duties or work in poorly co-line, organized by row or superior line can not be responsible for monitoring the distribution of their business line of credit, the higher the Bank may suspend approval of its new financing; do not perform their duties or work poorly organized line, superior line can not be approved by the association responsible for monitoring the group's highest integrated enterprise credit, not approval of the company's new financing business. ?(E) strictly related to their enterprise unified group credit and credit review ?1. The Group's affiliates into the unified credit management. ?2. Strengthen the Group's audited financial statements of associated companies and credit review. On is a second class of related enterprises, to group headquarters for the borrower's financing, the Bank requires the customer to the bank authorized by the agency audited consolidated financial statements and group financial statements of this Part, and critical examination; accept one Type II sub-affiliates, subsidiaries, and three, four affiliates of the finance business, in addition to the head office requested to review the financial statements of the borrower, but also major affiliates of the borrower to analyze the situation, if necessary, may request the sub- Bank to assist in providing the main financial statements of the enterprise. ?Associated companies in the Group's credit review, in addition to general requirements to investigate, review relevant content, the Bank should focus on the following issues: ?(1) cash flow projections based on the actual size of the borrower and the business performance management is true, in particular its existence by issuing false VAT invoices related enterprises to fictitious sales, and falsifying business to the bank acceptance bills discounted to Fiction cash flow, as well as affiliates of non-genuine trade between the lines to my application for the issue of bank acceptance and other issues. ?(2) The borrower is the controlling shareholder extraordinary credit and financial situation of the existence of unusual circumstances; on single project financing corporation, its shareholders, whether the investment capacity, funding sources, the reliability of compliance, which is in our bank financing. ?(3) is a guarantor loan guarantors and the relationship between the parent company guarantees the existence of subsidiaries, associated companies and cross-guarantees mutual insurance issues, security is full, legal, valid, whether all the existing security association to fulfill enterprise security responsibilities. ?(Vi) implementation of the Group associated with the centralized management of customer credit ?In order to avoid the Bank Group's multi-agency related to the same customers over the respective loans, financing risks, the head office will be in the credit management system to enhance the identity of the group associated with enterprise management and the progressive introduction of business concentration. ?1. Group affiliates in the same borrower in principle, only the bank to set up a loan account, credit organized by a branch. ?2. Associated enterprises of the group of different borrowers registered in the same city, in addition to the head office Direct loans and syndicated loans in line, in principle, the seat of a branch or city shall designate a branch line of host its financing business, avoid the same Opening the city's many branches. Because of this business need to open an account in a number of branches, it shall be level, directly under the branch approval. Approved to conduct business branches, in principle, can only handle special business, shall not provide other financial services. In the process of special business, must be in accordance with paragraph 3 of this Part or affiliates to the group hosting the first line of inquiry. ?3. Group affiliates in the same city with different borrowers not registered, the registration of branches affiliated companies handle their financial business, to group headquarters or principal business location or branch line of inquiry to the company hosting the credit rating, credit history and credit line use, etc., on the record by check no bad credit, credit line and has the composition of their investment does not exceed the Group headquarters or affiliates 50% of net assets before approving authority in accordance with the procedures and credit operations. ?4. On the related enterprises do not have the legal personality of the points, branch companies, general do not sign individual ratings, and shall not be separately financed, is really necessary financing, and must be authorized in the back can get their Faren procedures. ?(7) effectively strengthen the Group's post-loan management related business ?Group affiliates involved in the industry and vast territory, business changes quickly and complex organizational relationships, risk control difficulties, so strengthen the Group's post-loan management is to prevent credit risks associated with an important part of business. Branches to the relevant characteristics for group affiliates, in accordance with the Bank and co-host the division of responsibilities and lines, the arrangement of specific post-loan management staff to implement the monitoring responsibility, establish and improve the Group affiliates post-loan management system, focusing on monitoring the following: ?1. Monitoring the flow of credit funds, prevent the bank loans were diverted for other purposes, especially for business capital investment or for the stock market, futures market speculation. ?2. Monitor production operations and financial condition, closely related enterprises, particularly the Group headquarters or major corporate appear unusual dynamic, to the financing contract, the agreement by special arrangement, and any violation should be based on contract or agreement in time to take corresponding measures. ?3. Business investment and monitoring the integrity of key management personnel status, management capacity and its impact on the Group's associated companies, early detection of the personal behavior of the risks to business risks. ?4. Monitor the following related party transactions between related enterprises act to prevent the assets, the normal transfer of non- profits: ?(1) between the related parties to buy or sell goods, provide or receive services such acts amount to the purchase or sales of foreign enterprises and more than 10%; ?(2) the sale of assets between related parties, one of its more than 20% of total assets; ?(3) no amount or only a nominal amount, but the financial condition or operating results of companies have significant impact.