Research On Risk Management Of H Pawnshop

In this paper, the actual operation of the H pawnshop of the case, in-depth analysis of the pawn industry conditions, sources and handling, H pawnshop risk management status and other risk factors, study and put forward suggestions and methods H pawnshop to establish a comprehensive risk management, H pawnshop and the initial establishment of comprehensive risk management system.This article begins with the first clear pawn and related concepts of risk management, and by comparison with non-bank financial institutions, a clear pawn business of different types and characteristics of each business process, especially the basic characteristics of high-risk low-income, reflecting the pawn industry the importance of risk management.In this article, H pawnshop as the analysis target, its risks in the relevant industry, management faced a detailed study. In theory elaborated on the basis of pawn industry risk management and control, the full reference to the country, the results of different studies abroad, an overview of the operating status of the pawn industry development course and H pawnshop. Proceed from internal and external environment, through risk management situation H pawnshop analysis, combined with the actual situation of non-bank financial sector with comprehensive risk management theory, in the comprehensive use of finance, economics and management and other expertise to study the H pawnshop line management process in how to identify and assess risks faced by its daily examples, analyze the reasons for the existence of the problem and risk management. Finally, policy-oriented, industry development needs, the company’s development strategy as well as a representative of the major risk identification and prevention, building H pawnshop comprehensive risk management system to realize the measures and recommendations made.By analyzing the case, the paper believes, although the primary, H pawnshop to set up the basic framework for risk management, attention to risk management, and the effective implementation of the daily operation, but with the development of the industry, to expand the company’s business, there are still some inadequate risk management, mainly reflected in: the need to further improve risk management framework; before the loan audit, risk management system is incomplete; loans in management, did not make plans for the different risk classification; post-loan review, not and reasonable individual financial indicators, some potential financial risks. These problems exist not only in the H-pawn, but also domestic pawn common problems.The paper presents a combination of conditions, in line with the measures and recommendations development of the industry, on the basis of hope based H pawnshop comprehensive risk management system built on the benefit extended to other pawn shops, and even contribute to other non-bank financial institutions in risk a reference for management.