M Group Fund Centralized Management Risk Research

Under the background of the severe challenge of socialized large-scale production to the limited operation scale of enterprises,many large-scale enterprises have chosen to form group companies to improve their ability to resist risks.However,with the continuous growth of enterprise scale,there will inevitably be cross-industry or cross-regional development,which makes the group companies face many risks,especially the risk of capital management.Improving the efficiency of fund use,optimizing the level of fund management,accurately identifying and preventing the risk of fund management,and establishing risk management system have become the key issues that group operators need to discuss and solve urgently.M Group is a private group company.The finance company was established in 2011.The centralized management of funds has reduced the use cost of the group to a certain extent,and also improved the efficiency of the use of funds.However,there are still some problems in the process of risk management,how to prevent the risk of centralized management of funds,how to build a risk management system is becoming more and more important.This paper is divided into six parts.First of all,the research background and significance,research ideas and methods,and reviews related literatures on the risk management and risk control of funds at home and abroad.Secondly,the relevant theories on the management of enterprise group funds,the centralized management model of funds and the theory of risk management are elaborated,and the main risks faced by enterprise group finance companies are divided into institutional risk,credit risk,operational risk and liquidity risk,which provide theoretical basis for practical research.Thirdly,on-the-spot investigation Analyze and summarize the data obtained in the middle,further understand the current management mode,organizational structure and fund management status of M Group,and find out the problems in the process of centralized fund management.Fourthly,on the basis of field research,analyze M The Group’s funds centrally manage the influencing factors of risk,and then analyze the operational risks,liquidity risks and credit risks in the centralized management of funds,and analyze the risks and analyze the causes of risks.Fifth,it mainly proposes risk management in the centralized management of M Group funds to improve the Group’s ability to resist risks and promote the more stable development of financial companies and member units.The last part is the conclusions of the study and deficiencies.