| In recent years,under the background of fierce market competition,the real estate pawn business of China’s pawnshops is facing a complex development situation.The pawnshops with real estate pawn as the core business products bear great pressure in terms of revenue growth and risk control.In order to stabilize the revenue of pawnshops,the acceptance threshold of real estate pawn business continues to decrease.Once the pawnshops fail to identify the credit risk based on real estate pawn,the overall non-performing rate of the business will rise directly,and the loan asset quality trend will further affect the overall operation of enterprises.Therefore,in order to carry out the real estate pawn business continuously and efficiently,it is necessary to accurately and deeply participate in the whole process of risk identification to effectively avoid and control risks and ensure the sustainable,steady and long-term development of the pawnshop’s overall business.Based on literature research,statistical analysis,case analysis and interview method to carry on the research,by reference to domestic and foreign financial institutions to credit risk identification and management experience,combined with domestic pawnbrokers real estate pawn business risk identification and control of the practical application,based on WT pawnbrokers real estate pawn credit business problems that exist in the implementation process,Based on the real estate pawn business data of our company in the past,through Stata and other research methods,the countermeasures to solve the risk identification of real estate pawn of WT pawnshop are summarized,and corresponding suggestions for the whole process of risk identification are given.During the study,the evaluation and effect of the aforementioned problems in the risk identification application of the whole process of real estate pawn business were analyzed through the determination of the risk identification index of real estate pawn.Finally,relevant feasible proposals were put forward according to the specific situation of WT pawnshop.The research on the risk identification of real estate pawn of WT pawnshop shows that the risk identification and response of the whole process can not only realize the fine management of the company’s real estate pawn business and improve the overall benefit,but also have reference significance for other business products and inter-bank mortgage business of real estate pawnshop credit. |
