Research On Risk Management Of Consumer Finance Enterprises In China

In recent years,China's financial market has developed rapidly,and a series of reform measures introduced by the government have shown initial results and the consumer finance industry has also grown rapidly and has gradually entered people's horizons.The rise of China's consumer finance industry can make up for the inadequacies of the existing financial system.For consumer finance companies,risk is an important factor affecting their long-term development,and effective risk management is an important means of risk prevention.Based on the theoretical analysis and case analysis,this paper starts the research on the risk management of China's consumer finance enterprises.The full text is divided into five chapters.Secondly,literature review of the existing domestic and foreign researches on several key issues in this paper is carried out.Then the research methods and research contents of this paper are introduced.Finally,the innovation points and deficiencies of this paper are elaborated.Chapter two research on risk management theory.First,it introduces the evolution process from the internal control theory to the risk management framework;then it explains the definition and elements of risk management;and finally compares the risk management framework with the changes in the internal control theory.The third chapter is the status quo of the development and risk management of China's consumer finance companies.Firstly,it introduces the meaning,classification and business characteristics of China's consumer finance;then it introduces the risks and risk management characteristics of China's consumer finance companies;finally,it introduces the risks of China's consumer finance companies through the case analysis of X consumer finance companies.Management problems.The fourth chapter is to improve the risk management recommendations of consumer finance companies.Based on the problems existing in the internal control of China's consumer finance companies mentioned above,four aspects of the internal environment,risk assessment,control activities,and monitoring are proposed to improve the risk management of China's consumer financial companies.The fifth chapter is Conclusion.