Study On The Countermeasures Of Liquidity Loan Risk Management Of Jinchuan Group Finance Co.,LTD

In order to adapt to the reform and development of large state-owned enterprises,it appears a financial system-corporate finance corporation in our country,is the inevitable outcome of economic and financial reform.The establishment of financial companies has special significance for enterprise groups,play an irreplaceable role in strengthen the enterprise group working capital management,get rich profit returns,provide fast and convenient financial services,control of enterprise group management risk,etc.It has made a important contribution to the rapid development of the enterprise group and the real economy.As the financial company's main profit source,efficiency stabilizer,loan business risk management is of great positive significance to the financial company,With the increase of the demand for liquidity loan,the requirements of financial companies on the risk control of liquidity loan are increased.First of all,the research status and results of financial risk management between domestic and foreign financial companies was compared,introduces the basis of the thesis--the functional orientation of financial companies and the principles of loan risk management.Secondly,taking risk factors as the main line,the study covering the full Jinchuan group finance co.ltd loan business process,find out the problems existing in the working capital loans business risk management and delve into the root causes,the final clear the principle and the goal of risk management.In oder to optimize the current situation of liquidity risk management of Jinchuan group finance co.ltd,take measures such as introduce a new risk assessment model,quantitate forward-looking comprehensive assessment indicators and weights,match with twelve level classification precision,meanwhile,guard against institutional risk by improving the risk management organization system,disperse the credit risk by adjusting internal and external credit structure,and prevention of operational risk by establishing incentive mechanism for risk management.At the same time,the risk management plan of jinchuan finance company before and after the improvement was compared in this thesis,makes a overall evaluation and puts forward the implementation guarantee measures.Last but not least,the prospect of dealing with the research problems was put forward,which provides a positive reference of risk management for other similar financial companies.