Research On Risk Management Of Credit Outsourcing Project In Shenyang Yuhong Yong'an Village Bank

Shenyang Yuhong Yong'an Village Bank is a small-scale bank,and its main business model is credit business.The basic principles of credit business of the bank are the security,liquidity and efficiency of loans.The amount of small and medium-sized credit loans is generally low,and the loan objects are generally small private enterprises,individual businesses or family based production and processing family workshops,etc.the industry profit is low,the ability of scientific and technological innovation is poor,and there is a lack of a sound financial system.In order to reduce the risk,Shenyang Yuhong'an Village Bank hopes to reduce the operating cost of the bank by outsourcing small and medium-sized credit loans,and stabilize the income of Shenyang Yuhong Yong'an Village Bank.Therefore,in June 2017,Shenyang established an outsourcing project review team composed of relevant leaders and some personnel of the loan department in hongyong'an village bank.The team mainly identified,evaluated and prevented the risks of outsourcing projects.After three months of investigation and analysis,it was decided to outsource the credit business in the next three years to Shenyang Yimao Asset Management Co.,Ltd.,i.e.since September 2017 Since January,Shenyang Yimao Asset Management Co.,Ltd.has managed the loan project.This paper is divided into five parts,the first part is the introduction,which mainly introduces the background and significance of the topic,research content and research methods,literature review and theoretical basis of the paper;the second part is the risk identification of outsourcing project,which is mainly from two aspects of the contractor and the project itself of the outsourcing project,the credit outsourcing project of Shenyang Yuhong Yong'an Village Bank.The third part is the risk assessment of the outsourcing project,which is mainly the qualitative and quantitative assessment of the credit outsourcing project of Shenyang Yuhong Yong'an Village Bank,and the objective analysis and evaluation of the assessment results;the fourth part is the risk control strategy of the outsourcing project,which is in front of the risk assessment On the basis of identification and evaluation,combined with the characteristics of the contractor,the corresponding risk control strategies for outsourcing projects are formulated,mainly including risk control principles,risk control system and risk control measures.The last part is the conclusion part,which summarizes the previous analysis results.This paper takes the credit outsourcing project of Shenyang Yuhong Yong'an Village Bank as an example to analyze the risk management of the outsourcing project.In this process,using the theory of project risk management,outsourcing management and other related theories,this paper investigates the characteristics of risk identification,evaluation and control of bank outsourcing projects,and provides some reference for the bank outsourcing project risk management.