Credit business is the core business and traditional business of commercial banks, and credit risk is the main risk faced by commercial banks all over the world. For China commercial banks, which mainly allocate credit assets, the ability of credit risk management is particularly important. Next, please enjoy the credit risk control methods I collected for you online.

Credit risk control method

The risk control of big data is mainly divided into three parts: credit big data mining, credit big data processing and big data risk control application.

Credit big data mining:

Data related to risk control in massive big data of big data Internet.

E-commerce big data is risk-controlled. After all the information is summarized, the numerical value is input into the network behavior scoring model for credit rating; The big data of credit card websites is also very valuable for the risk control of Internet finance. The year of application for credit card, whether it is approved, credit line and card type; Credit card repayment amount and attention to preferential information can be used as reference data for credit rating; Use social network relationship data and mutual trust between friends to aggregate popularity. Borrowers are divided into several credit grades, but there is no need to publish credit records; Coupled with Taobao's water, electricity and coal payment information, credit card repayment information, payment and transaction information, it has become a data all-around player; The credit big data accumulated by small loan websites include credit lines and default records; The payment direction, monthly payment amount and purchased product brand of the third-party payment platform can be used as important reference data for credit rating; The big data of life service websites such as water, electricity, gas, cable TV, telephone, internet fee and property fee payment platform objectively and truly reflect the basic information of individuals and are important data types in credit rating.

Credit big data processing:

Preparation stage: business understanding, data understanding and data preparation;

Data raw materials: personal basic information, bank account information, bank flow data, and risk control related Internet big data;

Data factory: based on different risk control models, data mining is used for processing;

Data products: credit rating, credit report, identity verification, fraud monitoring.

Big data risk control application:

Obtain fresh big data sources and automated decision scorecards, quantify risk control decisions, connect with large-scale e-commerce platforms, and obtain innovative financial products under vertical credit scenarios. At present, China's big data risk control platform has integrated comprehensive credit data and has done a good job in big data risk control and scene docking.

Credit risk countermeasures

First, revise and improve various credit management systems, ensure coordination, cooperation and restriction among various systems, and ensure the implementation of various credit management systems. First of all, improve the credit file management from the system. As soon as possible, formulate and implement the implementation measures for the management of credit files, clarify the collection, transfer and inspection of credit files, designate a special person to be responsible, and regularly check and assess the implementation. For the problem of false financial information of enterprises, we can consider establishing "four-conformity audit" and "liability compensation system for inaccurate financial statement audit" Specifically, on the one hand, the bank itself checks the general ledger, subsidiary ledger, original vouchers and important physical objects of the borrowing enterprise to achieve "four conformity"; On the other hand, you can sign a contract with an accounting firm to entrust the firm to audit the financial statements of the bank loan applicant and issue an audit report as the basis for the bank to approve the loan. At the same time, it is stipulated in the contract that if the loan loss is caused by its false report, the CPA himself and his firm are responsible for fully compensating the losses suffered by the bank.

Secondly, further improve the risk control systems such as credit authorization, separation of loan review, grading approval, collective approval and loan "three checks" with loan risk management as the core. Including: when handling credit business, strictly follow the business process, post authority and conditions for exercising authority, strengthen mutual supervision and restriction between different posts and departments, implement risk control throughout the business process, and prevent all kinds of violations; Formulate the methods and implementation details of pre-loan investigation, in-loan inspection and post-loan inspection, and stipulate the contents, investigation methods and verification means to avoid becoming a mere formality. At the same time, establish and improve the post responsibility system, implement the credit management responsibility to every department, every post and everyone, and conduct strict assessment to prevent violations.

Two, establish and improve the specialized credit management institutions, prevent excessive concentration of credit power, and implement democratic and scientific credit decision-making. First of all, it is necessary to truly implement the loan approval separation system, allocate the loan approval authority to different functional departments as soon as possible, clarify the work scope, responsibilities and objectives of the loan examination department, and standardize the work system, approval content, approval authority, approval procedures and responsibilities of the loan examination department.

Secondly, for large loans and difficult loans, it is necessary to set up a special loan management Committee to be responsible for the decision-making of loan approval. The Committee may be a non-permanent institution, but it should be composed of administrative leaders and business experts, and be responsible for providing basic information of loan applicants, loan risk analysis reports and expert opinions, and making democratic decisions on loan approval.

Third, the loan risk assessment will be implemented in functional departments independent of the credit business department. Term loan risk assessment is a concrete work to monitor loan risk. It is necessary to make an independent, scientific and objective quantitative assessment of the risk status of each loan during its life cycle. If the loan reaches a certain risk level, relevant departments need to take effective measures to resolve and transfer the risk. Therefore, in order to ensure the objectivity, scientificity and timeliness of loan risk assessment, this work needs to be completed independently by another department independent of the credit business department. The purpose of setting up a special credit management institution is to prevent excessive concentration of credit power and establish a "firewall" in the distribution of credit power by making use of the relative independence of the institution. However, in order to ensure the liquidity of information and ensure that all departments can fully possess and share the collected borrower's credit information, we should also establish a system of information flowing in relevant departments to prevent public information from being occupied by one department without authorization.

Third, establish a borrower's credit information sharing system. The above two measures are aimed at solving the credit management problems of individual branches of commercial banks. However, because the business scope of a single branch is limited to a certain area, it is impossible to fully grasp the credit status of existing borrowers, especially future borrowers. Therefore, commercial banks should also establish a borrower's credit information system in their system, so that all their credit business departments can fully grasp the borrower's credit status, local economic operation, national economic operation and macro or micro economic policies of the central and local governments. The borrower's credit information system can collect the information of borrowers who have no money to repay, are unable to repay due debts, or have poor business conditions and high loan risks. Through the "blacklist of bad borrowers" in the exchange system, its branches are prohibited from issuing new loans to bad borrowers, and effective measures are taken to recover old loans in time.

Main characteristics of credit risk

(1) objectivity

As long as there is credit activity, credit risk does not exist objectively with people's will as the transfer. To be exact, risk-free credit activities do not exist in real banking work.

conceal

The uncertainty loss of credit itself is likely to be covered up by its appearance because of its credit characteristics.

(3) Diffusibility.

The loss of bank funds caused by credit risk not only affects the survival and development of the bank itself, but also causes a chain reaction.

(4) controllability

It means that banks can identify and predict risks in advance, prevent them in the process and resolve them afterwards according to certain methods and systems.

How to control the risk of personal credit loan

Hello, loan intermediaries are organizations and individuals that provide you with loan services. They will choose the right loan channel according to your qualifications and charge a certain fee. However, there are many ways to apply for a loan. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

How do banks and financial institutions guard against personal loan risks?

How do banks and financial institutions guard against personal loan risks? Personal loan is a retail loan business, which is a loan issued by banks or financial institutions to eligible borrowers. Although personal loans are flexible and convenient, their risks always exist, including credit risk, operational risk and market risk. How to prevent personal loan risks is not only a problem that lenders should consider, but also a problem that financial lending institutions such as banks should try to avoid. With the positive development of financial market, the risk events of personal loan business of banks are also increasing. The following is a detailed introduction for you:

How do banks and financial institutions guard against personal loan risks?

First of all, we must strictly control the qualification screening of lenders. After all, customer access is the first barrier to prevent personal lending risks. As far as the qualifications of lenders are concerned, there are five types of user groups that banks need to focus on.

1, a high-risk group in society, engaged in bathing, karaoke bars and other industries with poor reputation.

2, "moonlight" young people, do not know how to make money, spend money indiscriminately.

3. "Businessmen" who have no fixed business premises and stable places to do business will also make people uneasy and increase the risk of borrowing.

4. For business owners who spend money recklessly, personal loans are mostly used for consumption. Some business owners don't have much business, but pay attention to style. It is also dangerous to spend the money used for loans on consumer goods that they can't afford. Banks should pay attention.

Second, do a good job of pre-loan investigation. Pre-loan investigation is the basis of loan decision. Please do the following:

1. When evaluating the repayment ability of the lender, it is necessary not only to review the collateral, but also to let the people who come into contact with the lender know their conduct and whether there is a situation that they cannot make ends meet.

2. Judge what the borrowed money is for? It is best to know through interviews and judge whether the lender really wants to use the loan money for business from the lender's business experience and future development plan.

3. The system monitors the flow of funds and connects the three systems by binding the lender's account. First, the income is bound to the repayment system to facilitate loan repayment; Second, the settlement account is bound to the payment system for directional payment; Third, the wealth management account is bound to the wealth system, and the funds of personal loans cannot be used for investment and wealth management. After the account is bound, it is easy for the bank to know where the lender's funds go.

4. Analyze the lender's liabilities and verify them from three aspects: first, family liabilities; The second is the guarantee relationship; Third, whether the enterprise engaged by the lender has excessive financing.

In addition, the audit of loan time is the key to prevent personal loan risks. Banks should ensure that the loan individual is consistent with the certificate, verify the identity and ensure that the legal documents are flawless; It is also necessary to verify whether the collateral is consistent with the housing management registration to ensure the authenticity and reliability of the collateral; At the same time, we will focus on users who need more funds, and pay attention to the flow of funds and whether they are used legally.

Finally, post-loan management. The occurrence of personal loan risk is largely due to the lack of post-loan management. Many banks no longer track the lender's situation after lending, which leads to an increase in loan risk. Banks carry out post-loan management from the following three aspects:

1. Understand the lender's financial situation, and timely understand the lender's recent capital changes, whether there are difficulties and what are the reasons for loans overdue through regular return visits and on-site return visits, so as to minimize risk factors.

2. Seizing and reducing the lender's assets is a sign of risk. Banks should focus on the implementation and find out the reasons for the changes in the lender's assets, whether they want to falsely transfer assets, evade debts or really encounter difficulties.

3. Make plans as early as possible to deal with personal loan risks. Different customer groups adopt different payment methods. If they pay attention to users, strengthen return visits and "supervise" while "adjusting"; If it is a secondary user, take legal action first, take the initiative to attack, and "talk" while "playing"; If it is a suspicious or loss-making user, recover and write off assets to the maximum extent, so as to "check" and "collect".

The above is an introduction about how banks and financial institutions can guard against personal loan risks. I will provide reference suggestions for lending institutions on how to audit the lender's qualification, pre-loan investigation, loan-time audit and post-loan management. In short, for banks, risk prevention and control refers to the decision-making and action process of banks in risk identification, risk assessment and risk control to reduce the negative impact of risks. Generally, it includes four steps: identification, evaluation, control and monitoring.

Preventive measures against operational risks of individual housing loans do not include

First, personal housing loan risk prevention measures

1. Evaluate the borrower's credit rating. At present, the management of housing provident fund has not been included in this system. In the long run, it is the general trend to incorporate the information on the deposit, use and loan of provident fund into the credit information system of the People's Bank of China to realize the sharing of credit resources.

2. Implement a focused policy tilt. According to the focus of foreign and domestic financial institutions in granting personal housing mortgage loans, we should pay attention to the following indicators when granting provident fund loans: the proportion of monthly repayment amount to family monthly income, the borrower's purpose of buying a house, the borrower's age and marital status.

3. Establish a housing guarantee company funded by the government. Only by establishing a special government housing security agency to provide loan repayment guarantee for low-and middle-income buyers can we fundamentally relieve the worries of provident fund management agencies, realize the transformation from potential demand in the housing market to effective demand, and promote the development of the housing industry.

4. Enrich the variety of provident fund loans. According to the repayment method, there are two types of provident fund loans: average capital and equal principal and interest. Provident fund loans should learn from the practices of commercial banks, adapt to market changes, enrich loan varieties, design various repayment methods, and improve service quality.

5. Comprehensively improve the quality of employees. First of all, to prevent operational risks, we must standardize business processes; Secondly, establish a good credit incentive and restraint mechanism; Finally, establish a good and healthy credit culture and comprehensively improve the quality of credit practitioners.

The second is the risk of provident fund loans.

1, policy risk. Policy risk mainly refers to the possibility that relevant national policies bring risks to loans.

2. Legal risks. Legal risk refers to the possibility that the transaction contract can not be protected by law and lead to losses.

3. Risks in the real estate market. Due to the irregularity of China's real estate market, the risks of the real estate industry are transferred to the provident fund management center through loans.

4. The credit risk of the borrower. As the objects of provident fund loans are mostly low-and middle-income workers in society, some workers' solvency declines due to unexpected events such as unemployment, laid-off or disease disasters, and loan risks will occur.

5. Operational risks. Operational risk refers to the possibility that the provident fund management center may make mistakes or make improper decisions when handling personal housing loan business, resulting in loan losses.

6. Incidental risks. Collateral risk refers to the risk that after the borrower defaults, the provident fund management center cannot dispose of the collateral or the interests are damaged.

What risk prevention measures do banks have for personal loans?

1, strengthen access management. In the credit link, it is necessary to scientifically verify the total amount, clearly distinguish the types, and strictly follow the authority; In the process of using letters, it is necessary to conduct in-depth investigation, careful examination, full brewing, strict examination and approval, and put forward effective restrictions and management measures; In the process of review, explore the establishment of independent review system, review collegial system, review consultation system and review supervision system. For normal loans, focus on strengthening maintenance and in-depth development, and continue to provide high-quality and efficient services and credit facilities; Pay close attention to the loan, pay close attention to the changing trend of unfavorable factors, ensure the effectiveness and sufficiency of the guarantee, and seize the opportunity of realizing customers' assets, external financing, restructuring and improving operations to quit; For suspicious loans, it is mandatory to collect them decisively according to law.

2. Strengthen early warning and monitoring. Risk early warning is an important measure to prevent credit risk. A good early warning mechanism can move the risk threshold forward and achieve the effect of early detection, early warning and early disposal. It is necessary to realize "multi-channel" early warning, innovate credit risk monitoring and early warning means, comprehensively use credit management system, professional statistical reports and various media to obtain risk information and data, build a risk monitoring and early warning information system, and form a working situation of "multi-angle observation, multi-directional analysis and multi-channel transmission". It is necessary to realize "zero distance" early warning, establish and improve a scientific monitoring index system, and improve the authenticity, timeliness and accuracy of monitoring.

3. Accelerate credit adjustment. There are not many enterprises that prosper under the conditions of market operation. Only by strengthening the credit withdrawal in a forward-looking way can the quality of credit assets be effectively prevented from deteriorating. In the aspect of customer withdrawal, "three changes" should be realized: first, the change from factual risk withdrawal to potential risk withdrawal. Move the risk threshold forward, dynamically track the migration trend of various loans, and improve the predictability of development trends. The second is the change from passive exit to active exit. Overall planning, early planning, through collection, write-off, examination and approval control and other means, actively reduce the loan balance of small-scale, low-efficiency, poor prospects and high-risk enterprises. The third is the transition from tactical exit to strategic exit. The adjustment of credit structure should not be rushed, and the rhythm and intensity must be controlled to prevent the formation of bad conditions when withdrawing.

4. Strengthen post-loan management. Post-loan management is to constantly find the early warning signals of marketing opportunities and customers, and constantly put forward solutions and countermeasures to solve problems and put them into action. It is necessary to establish an assessment system for post-lending management, incorporate customer inspection process, information analysis process, early warning and prediction process and customer withdrawal process into the overall assessment category of credit work, formulate assessment standards and basis for each management link and element, and urge post-lending managers to implement post-lending management frequently, consciously and deeply, and concretize conceptual management. It is necessary to establish a differentiated risk monitoring system, do a good job in dynamic tracking and monitoring of marginal loans while closely monitoring risk changes, and formulate a sound risk monitoring plan to resolve potential risks in time.

5. Cultivate a culture of compliance. Attention should be paid to cultivating good professional ethics of account managers, so that they will never cross the "protection line" of ideology and morality, never touch the "warning line" of rules and regulations, and never violate the "high-voltage line" of law. We should pay attention to the establishment of an incentive and restraint mechanism that is compatible with the compliance culture, and send a clear message, that is, reward those employees who are good at discovering risks, revealing risks and avoiding risks, and punish those employees who violate loan rules, create loan risks and ignore loan risks, and effectively form a good atmosphere of "not simplifying loan procedures on the grounds of efficiency, not adapting rules and regulations on the grounds of development, and not relaxing access conditions on the grounds of horizontal competition".

Finally, this paper introduces the personal loan risk control and the importance of personal loan risk control. I wonder if you have found the information you need?