Study On Financial Risk Control Of LZ Branch Loan Business

Under the background of increasing tension in the global economic environment and huge pressure on external demand,expanding domestic demand and stimulating consumption has become the key content of China's economic stimulus.At the same time,in order to stimulate the economic development,LZ Bank also expands the types and scope of credit products in the strategic layout.While stimulating customer consumption and stimulating the economic growth of the province,LZ Bank increases the market share of LZ Bank and innovates the profit point,which lays a solid foundation for the smooth listing of LZ Bank.Because the LZ branch started late in the development of credit business,it still stays in the basic stage in the financial risk control of credit business.The risk of branch loan business is mainly credit risk,operational risk,guarantee risk and moral hazard.In the actual credit business process,we can effectively identify the risks hidden in the loan business(i.e.before,during and after the loan),and accurately measure the identified risks.Finally,we can effectively control the measured risks to reduce the probability of non-performing loans caused by credit risk,operational risk,guarantee risk and moral hazard.Ability to ensure the safety of the credit funds of the sub-branch.At present,there are many problems in the financial risk control of LZ branch loan business,such as the hidden danger of financial risk in each link of loan business,the imperfect internal control,the lack of effective management of operating funds and so on.The above problems seriously hinder the healthy and orderly development of the credit business of the branch bank.The branch bank can improve the ability of the financial risk control of the loan business by perfecting the management of the financial risk control of each link of the loan business,strengthening the management of the internal control,perfecting the management of the working capital,and so on.In practical work,it is also necessary to accurately embed and give full play to the role of financial risk management procedures.First of all,in the risk identification stage,it is expected to be used in the loan business.All kinds of risks are identified by collective discussion,and then the loan review panel is held to review the risks identified by the collective discussion and identify the core risks.Secondly,in the risk measurement stage,the branch can use scenario design method,sensitivity analysis method,computer simulation analysis method(probability distribution method),existing data analysis method,software package analysis method and other methods to accurately measure the identified risk based on the big data system of risk rating in various industries in LZ bank.Finally,in the risk control stage,in view of the measured risk,the branch should take corresponding measures to control and resolve it to reduce it.Mitigate,transfer,and even eliminate the risk of a measure.On the basis of effectively controlling the financial risk of each link of the loan business,the LZ branch strives to optimize the risk management procedures of the credit business of the branch bank,to improve the level of financial risk control and management of the creditbusiness,to improve the ability of the branch bank to resist the financial risk of the credit business,and to reduce the possibility of the possible financial loss of the branch bank caused by the loss of the credit business.The research on financial risk control of loan business in LZ branch is of practical application value.On this basis,but also for the smooth promotion of LZ Bank to complete the listing work to lay a solid foundation.