Research On Investment And Financing Business And Risk Control Of A Group Finance Company

With the development of our country's economy,financial companies of groups have played an irreplaceable role in optimizing the overall internal capital structure of groups,the centralized management of internal funds,the reduction of the cost of capital use,and the enhancement of the efficiency of the use of funds.At the same time,the financial companies can also perform overall asset-liability ratio matching management through financial innovations.This unique business model of financial companies can more effectively obtain the spread income through the internal funds of groups,thereby further reduce the capital operating cost of groups as a whole,and promote better development of groups.However,at present,people have not paid enough attention to the issue of investment and financing of financial companies and risk control issues.Theoretical and practical research has been relatively weak,which has affected the sustainable and healthy development of finance companies to a certain extent.Guided by relevant theories,this paper specifically studied the financial company's investment business,financing model,and the mechanism of risk control of investment and financing business based on the analysis of the business characteristics and development status of financial companies,taking the Finance Company of Group A as an example,it also put forward suggestions for improving the investment and financing business and risk control of the financial company of Group A.The main conclusions are as follows:In the aspect of investment business,take advantage of the internal information of industry finance,set up industrial investment funds,expand the scale of equity investment business,rationally plan the scope of investment in the same industry,and establish a framework for investment management of large-scale asset allocation,focus on creating long-term,stable investment performance,and promote investment management model transformation;in terms of financing business,grasp financing opportunities in the capital market,make full use of direct tools such as green debt and ultra-short financing,increase the scale of direct market financing,continue to explore the issuance of financial bonds,raise long-term funds,reduce asset-liability ratio,and continue to carry out financial innovations to solve the problem of low-cost funds;as for risk control,build three defense lines with business,risk control and auditing as the core,establish a quantification system for financial risk indicators,estimate the probabilistic nature of risks and the extent of losses,exert and enhance risk warning functions,and establish effective communication between risk control and business operations.At the same time,it is necessary to improve the related construction of risk information management and control,and continuously strengthen the management of risk information,the strength of index management,and the intensity of supervision and early warning,so as to provide a solid guarantee for the conduct of comprehensive risk management and control in the future.