1. What should we pay attention to in risk control in the credit industry?

What should we pay attention to in risk control in the credit industry? I believe many people are not clear about the specific content. What should we pay attention to in terms of risk control in the credit industry? How can you protect yourself from the bad guys in the credit industry? Let me take you to understand risk control in the credit industry and what to pay attention to.

What should we pay attention to in risk control in the credit industry? The formation of credit risk is a gradual process, from germination and accumulation to the occurrence of credit risk. Before the expiration of the repayment period, adverse material changes in the borrower's financial business may affect its ability to perform. In addition, the lender also stipulates general default clauses to create safety guarantees, such as ensuring its rights to repay in time. Agree on a breach of contract clause in the contract. ”

The basic meaning of cross-default is: if the debtor of this contract defaults on other loan contracts, it will also be deemed to have breached the contract.

2. “Risk control” must be available What skills

The professional abilities that risk control personnel must possess mainly include professional knowledge and practical ability

1. Professional knowledge

Master the expertise of risk control positions. Knowledge:

1. Industry knowledge: Each project will have some differences

2. Financial knowledge includes: accounting principles, cost accounting, financial analysis, management accounting, etc. .

3. Legal knowledge mainly includes: (1) Legal aspects: General Principles of Civil Law, Property Law, Guarantee Law, Company Law, Contract Law, Marriage and Family Law, and Civil Procedure Law, corresponding to the above. Judicial interpretations, as well as commercial banking laws, etc.; (2) Administrative regulations; (3) Department regulations

4. Business knowledge: understand the business, be familiar with the business, and control the business.

2. Practical ability

1. Risk control personnel should improve their theoretical level and professional knowledge. With the development of business, futures companies have an increasing demand for high-quality professionals, and risk control personnel should. Strengthen the study and improvement of theoretical knowledge, national policies, business skills, etc., to better complete their own work

2. Be familiar with the company's risk control system, and reasonably grasp the company's margin ratio and exchanges. Directly related to the margin ratio. Issue early warnings to customers as soon as they encounter risks, and notify customers to increase margins in a timely manner.

3. The risk control post must also understand the market conditions and monitor the market trends. It is necessary to have a relatively objective judgment, especially when extreme market conditions occur, to be able to calmly and clearly analyze how to guide customers to avoid risks, how much time should be given to customers to call for insurance and reduce positions, and to make reasonable judgments with a professional attitude.

4. Risk control personnel must have solid business literacy and good communication skills. They must be familiar with trading rules and be able to clearly explain the exchange’s margin system and the company’s risk control system to customers who have questions. and the latest margin policies for various types of contracts

3. How to plan the bank risk control career

1. Banking work is basically relatively stable, but each bank is different. Personal development has a great influence, and qualifications from state-owned banks are usually required. Although all institutions have shortcomings, state-owned banks are particularly outstanding. Qualifications and connections are very important, and of course they rank first.

2. Obviously. You are not very familiar with banking business. Risk management and control belong to the back office. Is your personality suitable for the front office or the back office? You are usually lively and cheerful and like to be a receptionist. A stable and quiet back office is more suitable. People with high incomes are generally in the front office. The percentage of profit commission at the front desk is very objective, and the prospects are relatively broad, because the chance of contact with other people is higher. If you want to get promoted as soon as possible, you must be the front desk.

3. The most valuable department. It’s hard to say, in my opinion, creating profits is the most valuable, but the creation of profits involves many departments. For the Big Four, the most boring department is risk control, because the real role of risk control is not played at all, it is just a mouthpiece. It is useless and young people cannot learn anything. As for the business department, I think the one with the most development in the future should be private banking.

4. To do a good job in private banking, financial management certificates are essential. If you are good at English, it is recommended to take the CFA Financial Analyst exam.

Take more qualification certificates! First of all, teller work experience is your wealth, because you are familiar with basic business operations and counter business principles, which will be of great help to you in the future, and these are nationally and even internationally recognized. At the entry level, you can take some qualification certificates, such as: banking qualification certificate, insurance qualification certificate, securities qualification certificate, futures qualification certificate, fund salesperson qualification certificate, etc.

Through these exams, you can systematically learn professional financial management knowledge, and there are also some knowledge that must be mastered, such as foreign exchange, overseas finance, credit cards, financial products, credit processes, bonds, funds, etc. In fact, In the banking system, the so-called planning is to do your job well, take more qualifications, improve your academic qualifications, and most importantly, increase your performance. Once your performance improves, you can take any position you want.

4. How does the risk control department do a good job in risk control?

To do this job well, I think it is mainly a matter of detail. In the process of reviewing customers, every item of information Carefully verify, for example, whether the code on the credit report is true or false, the monthly interest settlement date of the transaction, whether the financial statements and the sales account are basically consistent, etc. I once encountered a customer who had a 10 million yuan difference in sales and he gave it to me. A contract was made immediately.

Then there are employees’ recognition of the company, whether the company has delayed wages, etc. Many employees like to show that they know a lot. These may be just some verification tasks. As long as you do them carefully for a period of time, you will have your own routine.

The second aspect is to have an understanding of different types of enterprise business models and audit focus, such as the raw material purchasing locations, sales directions, production processes, etc. of production-oriented enterprises, and the inventory sales direction of economic and trade enterprises, etc.

5. What to pay attention to

As the most important financial risk faced by banks and enterprises in my country, credit risk is manifested in the poor asset quality of commercial banks and the potential credit risk is increasing day by day; non-performing loans Huge amounts lead to high credit asset risks, poor liquidity of credit assets, low capital adequacy ratios and loan bad debt reserve ratios, unreasonable bank credit structures, low returns on credit assets, huge amounts of uncollected interest, etc. These issues require further evaluation. .

The impact of the Internet on finance is a slow process of mutual penetration, and at the same time it is an irreversible trend. In this integration process, no matter what asset class is chosen and what model is established, all will reach the same goal by different paths. : More efficient and transparent. The cost structures and risk control models that many P2P platforms are establishing and optimizing have long established their comparative advantages over traditional financial institutions. Market gaps and time advantages have given them opportunities to compete with banks.

However, to maintain this advantage for a long time, it does still depend on the industry's innovation and breakthroughs in risk control.

6. What qualities should risk control personnel possess

The so-called risk control refers to the various measures and methods adopted by risk managers to eliminate or reduce the occurrence of risk events. various possibilities, or to reduce losses caused when risk events occur.

The professional abilities that risk control personnel must possess mainly include professional knowledge and practical abilities.

1. Professional knowledge

Master the professional knowledge of risk control positions:

1. Industry knowledge: Each project will have some differences.

2. Financial knowledge includes: accounting principles, cost accounting, financial analysis, management accounting, etc.

3. Legal knowledge mainly includes: (1) Legal aspects: General Principles of Civil Law, Property Law, Guarantee Law, Company Law, Contract Law, Marriage and Family Law, Parts of Civil Procedure Law, the above corresponding judicial Interpretation, as well as the Commercial Banking Law, etc.; (2) Administrative regulations; (3) Departmental regulations.

4. Business knowledge: Understand the business, be familiar with the business, and control the business.

2. Practical ability

1. Risk control personnel must improve their theoretical level and professional knowledge. With the development of business, futures companies have an increasing demand for high-quality professional talents. Risk control personnel should strengthen their learning and improvement of theoretical knowledge, national policies, business skills, etc., in order to better complete their work.

2. Be familiar with the company’s risk control system and reasonably grasp the direct relationship between the company’s margin ratio and the exchange’s margin ratio. Issue early warnings to customers as soon as they encounter risks, and notify customers to increase margins in a timely manner.

3. Risk control positions must also understand the market conditions and have a relatively objective judgment on the market trends. Especially when extreme market conditions occur, they must be able to calmly and clearly analyze how to guide customers to avoid risks. , how much time should be given to the customer to carry out insurance call and reduce position, and make reasonable judgments with a professional attitude.

4. Must have solid business literacy and good communication skills. Risk control personnel must be familiar with trading rules and be able to clearly explain the exchange's margin system, the company's risk control system and the latest margin policies for various types of contracts to customers who have questions.

7. What knowledge should be remembered in domestic small loan risk control

Compared with foreign developed countries, domestic credit risk management theory, technology and other innovations are insufficient. Most of them are Direct transplantation lacks systematicity.

With the development of the international capital market in recent years, the continuous innovation of financial derivatives, especially with the gradual opening of the domestic insurance market, has further revealed the shortcomings of risk management theory, especially for credit Risk lacks subjective game analysis. By cooperating with the big data risk control platform service provider Shenzhou Fusion, small loan institutions can incorporate more information other than credit records into the credit reporting system, and obtain one-stop customer overdue and default data, user-authorized communications, e-commerce, and academic qualifications , through e-commerce transaction data, social data, bank card consumption and other data collected by third-party credit reporting agencies, as well as other basic personal information, company records and other information, analyze and refine risk assessment and pricing models to better characterize borrowing A person’s default probability and credit status to achieve precise and batch-based risk pricing.

The domestic investment banking industry has just started and lacks market experience. Venture capital lacks targeted risk management theory and technical support, so it is in great need of the support of a systematic and theoretical risk management technology and method. In addition to data access services, Shenzhourong can also provide customers with data-based application decision support, including suggestions for business applications based on different data, general models and risk control best practices developed based on external data and Experian, providing services for small loans. The company's existing businesses and innovative financial businesses provide the basis for optimizing and quickly building a risk control system.

In the Internet+ era, the rational application of appropriate management and control tools will bring about a high degree of standardization of management, greatly improve work efficiency, and the means of risk control will also be qualitatively improved. In the future, Shenzhourong will also benefit a wider area and more financial institutions, including small loan companies, and the risk control problems of small loans will also be further solved with the help of big data.