The Research On HOMESUM Company's Operational Risk Control Of Individual Automobile Finance

In recent years,with the rapid growth of auto industry,the production and sale were up to 24.5 million and 24.59 million in 2015,and china h as been becoming the biggest consumer auto market for 7 years since 2009.Nearly 20 years development,automobile finance has turned into the new profit of car industry and a new way for buying a car.At the end of 2014,auto load business was over RMB 650 0 billion,the market penetration was over 20%.More and more new customers choose a load to buy a car,and they had a variety of ways to get the load like banks,car dealers,auto finance companies and other new growing forms.This article had introduced the developing progress of Chinese auto fina nce and the HOMESUM Company.This paper expounds the present situation of the operation risk management of HOMESUM company's personal automobile credit loan business,explains the existing problems and causes of the operation risk of HOMESUM company through analyzing the current situation of the company's management,and finally tries to put forward the control measures and safeguard measures of the operation risk management.The company has poor management,imperfect manpower resources and weak business process.That is because of the lack of corporate culture as overall operational risk management,and weak awareness of the company 's managers in operational risk management,and the shortage of talent,and last but not the less,slow process of building information management.The paper stated some solutions: first,it needs to build up a fully operational risk culture within managers and employees;second,Human resources management should be standardized from job responsibilities to recruitment process,training system and team performance management plan;finally,from the standpoint of standardization of business operation process,the operation process before and after lending is sorted out.Last part of article,HOMESUM company needs to establish operational risk safeguard measures to provide maximum protection for operational risk management from the perspective of organizational security,human resources security and information security.Through this research,we might tell the current situation and problems in the some kind of SP(Service Provider)company.At this stage,the industry is at the critical moment of survival of the fittest.It is necessary to study this topic for the fittest of auto financial industry.