한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina

from passive response to active prevention, most banks have taken different proactive defense measures to try to nip risks in the bud and ensure that the risk of default will not erupt on a large scale. as one of them, the city commercial bank where anhua works has actively explored risk prevention and control strategies, striving to alleviate the pressure on the mortgage market to the greatest extent possible through classified management of existing mortgage loans and interest rate adjustments.

the city commercial bank where anhua works divides mortgage customers into five categories through segmentation analysis: high-quality, stable, attention, special attention and discontinued mortgages. among them, high-quality and stable customers have relatively low risks and can be maintained normally; while the mortgages of attention, special attention and discontinued mortgages require more active intervention from the bank to effectively reduce risks.

in order to reduce the monthly payment pressure of customers, city commercial banks have taken the initiative to reduce the interest rates of some mortgages, and negotiate with customers to reduce the monthly payment amount or postpone loan repayment within the scope permitted by the policy to ensure that customers will not default on payments. the city commercial bank where anhua works has been striving to strengthen defense in the risk control system by constantly exploring risk prevention and control strategies, and has achieved certain success.

"we hope that through these measures, we can alleviate the pressure of mortgage loans and reduce the risk of default." anhua said that banks will continue to pay attention to the development of the mortgage market and take corresponding measures based on actual conditions to maintain financial security and stability.

it should be noted that:

• this article is simply based on the text provided, adding some analysis and thinking, and trying to use different writing styles to enhance the depth and readability of the article.
• the article uses an open structure and leaves space for readers to think and imagine.