Research On Risk Control Process Improvement Of Company Q Jewelry Retail Microfinance

The Chinese jewelry consumption industry has ushered in a rapid development stage in recent years,and the market scale is huge and there is room for continuous growth.The upstream and downstream settlement of the jewelry sales channel is mostly based on cash transactions,and the working capital is high.Due to the geographical dispersion of retail stores and the absence of fixed assets collateral,traditional financial institutions are unable to provide these retailers with comprehensive and efficient financial services.Firstly,the thesis conducts in-depth research on the inefficiency and low degree of IT application of Q company's existing risk control process.The main problems in the current risk control process was summarized:the inefficient risk management process,the insufficient IT process applied and the immature intelligent risk management model.Secondly,the paper analyzes the causes of the above problems:the risk management process is complex;the IT process design is backward;the data systems are not effectively linked.Thirdly,the thesis combines the related theories and tools of process management and risk management,and designs the Improvement plan of Q company's risk control process in detail.And put forward the process of concrete implementation in four stages of preparation,design,implementation and improvement.Finally,the paper analyzes the changes of data indicators and brand influences before and after the implementation of Improvement schemes through quantitative and qualitative aspects,and has been verified and iterated in the actual business practice.The research of the thesis provides a feasible Improvement scheme for the establishment of Q company's own risk control data system.The paper also plays a certain reference role for the construction of online financial service risk control in other industry.