Research On Risk Control Of Internet Cash Loan In S Consumer Finance Company

In recent years,the pace of economic restructuring in China has accelerated,and the role of finance in supporting the development of real economy has become more and more remarkable."Investment,export,consumption" is the three driving forces of China's economic development.However,high investment and high export have slowed down the pace of economic growth."develop consumer finance and expand domestic demand," Stimulating consumption "has become a new point of growth in China's economic development." On the one hand,due to the economic downside in western countries such as Europe and the United States,the phenomenon of local trade protection is serious,which makes a large number of export companies face the risk of overcapacity and even close to bankruptcy.On the other hand,China's economic development relies on infrastructure investment for a long time,but in recent years The growth rate of our country economy slows down gradually as the capital speed slows and accompanied by the phenomenon of over investment.With the rapid development of Internet technology,Internet consumer finance ushered in a new opportunity period.This paper defines Internet consumer finance,cash loan,Internet loan risk and risk control,and adopts the methods of consulting literature,theoretical research and empirical analysis combined with financial exclusion theory for S consumer finance Internet cash loan business.The theory of information asymmetry,the theory of comprehensive risk management and the theory of risk analysis based on COSO framework explore the main problems existing in the Internet cash loan business of S consumer finance company at present,specifically,the idea of risk management is relatively backward.Risk management system is not perfect,risk management type is not comprehensive and risk management process is not perfect.From the consumer level,the Internet financial institutions level and the government level This paper analyzes the causes of these problems,and finally puts forward targeted improvement measures.First,actively publicize consumer financial knowledge to consumers,and cultivate consumer financial awareness;Secondly,the government should perfect the construction of the credit information system,perfect the personal credit information system,establish the government supervision and policy guidance;The third is to establish and perfect the internal risk control system of Internet cash loan of S consumer finance company,establish the management mode of customers in S consumption finance company,optimize the management of stock customers and strengthen the management of overdue customers.