The bank declared in its CSR policy improvements listed below. You can find policy texts under "Documents" section if the bank has disclosed any of them.
In 2010, the bank developed a new credit policy, "General Principles of the Company Credit Policy", that included guidelines for green credit implementation, emphasizing environmental access. However, the policies were issued as an external file and were not disclosed to public.
In 2011, the bank began to implement "one-vote veto", and approve credits that are in accordance with environmental standards and compliance with energy-saving and emission reduction regulation.
The "Ping An Bank Green Credit Guidelines" were issued in accordance with the "Green Credit Guidelines" issued by the CBRC, and call for the set-up of a green credit committee, the establishment of an environmental and social risk assessment system, and improvement of related credit policies and management. It also requires customer's environment and dynamic social risk assessments and classification, the classification of customers based on relevant ratings, to manage credit access of relevant classification results as customer rating, on which credit access, management and credit withdrawal are to be based.