Research On Risk Management And Control Mode Of Shaanxi Changyin Consumer Finance Co., Ltd

The pilot work of financial consumption in our country has began since 2009.. From that time on, the consumer finance company, a non-banking financial institution specializing in providing small, unsecured and secured consumer loans, has developed rapidly. Its promoters has gradually extended from banking system to the retail enterprises, household appliance manufacturing enterprises, e-commerce enterprises, operators and other industries, which promotes the transformation and upgrading of consumption in our country, protects people’s livelihood, and provides the impetus for the adjustment of economic structure. However, consumer finance companies in China started relatively late, and there are many problems in external supporting infrastructure, in internal business risk control process and in protection of consumer rights and interests. These existing problems,increases the risk and uncertainty in the development and management of consumer finance companies, and are not conducive to their healthy and sustainable development.This paper, from the perspective of risk management, by collecting and combing the research achievements at home and abroad, analyzes the characteristics and measurement model of risk management in domestic Consumer Finance Companies; By taking Shaanxi Changyin Consumer Finance Co. Ltd. as an example and comparing Consumer Finance Companies credit product characteristics by system analysis method and case analysis method, the paper points out the differences of business loans and other consumer loans, sums up the risk types and causes of Consumer Finance Companies; With the rish management tool, the risk control process of the consumer credit products of Changyin Consumer Finance Company is evaluated, and risk control measures before, during and after the loan are developed according to the credit operation process; Finally, a set of risk control system is designed from internal and external supporting guarantee and by combining the domestic consumer credit market environment and current situation of Changyin Consumer Finance Company, to ensure the sustainable development of Shaanxi Changyin Consumer Finance company and a healthy and long-term development of consumption economy of our country.