The Study On Risk Control Of HR Consumer Finance Corporation

For a long time,"investment","export","consumer" is pulling the "troika" of China's economic growth,investment and exports in recent years under the condition of insufficient power of national economy,consumption and economy become the inevitable trend of economic development in China.Consumption-led economy stimulated the domestic demand,derived the huge consumer finance market,making more financial institutions into consumer finance,consumer finance company is one of the main financial institutions in this field.Our country promulgated since 2009 pilot,consumer finance companies in 2010 set up the first pilot consumer finance companies,with the development of consumer finance industry and consumer finance company pilot quantity increase gradually,studies of consumer finance and consumer finance company is becoming a hot spot of the current theoretical circle,but the current theoretical research is the main consumer finance company's operation mode and the development status,the consumer financial company's internal management,especially the research achievements of risk control is less.And consumer finance companies belong to the kind of bank financial institutions,financial institutions,risk control is crucial for the development of consumer financial companies,so the effective risk control to ensure consumer finance industry healthy and stable development,in-depth study of consumer finance company risk control problem is very necessary.This paper,based on the above reasons,makes an in-depth analysis of the consumer finance industry,and carries out the research on the consumer finance industry.The article is divided into five chapters.First chapter is the introduction mainly introduces the research background and significance of this article,the scholars at home and abroad on consumer finance industry and consumer finance company risk control the direction of the research is reviewed and summarized,and introduces in detail in this paper,the research ideas and methods,and puts forward the innovation points and characteristics of this article.The second chapter is the theoretical basis of this article research,to the meaning of consumer finance,the meaning and characteristics of consumer finance companies and comprehensive management theory,the Basel agreement and the commercial bank capital management measures are introduced.The third chapter is about the HR consumer financial company,analyzing the present situation and problems of the specific case of the first to introduce current situation of the development of consumer financial companies in China,the second for HR profile from consumer finance company and introduces the feature of the business,according to the status quo analysis of the HR consumer finance companies risk control in HR consumer finance companies risk control problems.The fourth chapter is to control the risk in a previous chapter based on the analysis of the situation,the targeted according to the above questions is roughly from customer qualification,technical construction,supervision mechanism,risk evaluation four aspects put forward Suggestions for improvement.Finally the fifth chapter is this article research summary and outlook,summarizes the research results,this paper discussed in this paper,on the basis of in-depth research and analysis has been made there are still not satisfactory.