Controlling financial risks is the eternal theme of financial work.The Central Economic Work Conference and Central Financial Work Conference held last year made a series of system deployment on preventing and resolving financial risks.As a non -bank financial institution, consumer finance companies operate risk preferences and customer base positioning are sinking compared to commercial banks, and higher requirements have been put on the institutional risk management and prevention and control.
As a licensed financial institution, Xingye Consumer Finance deeply understands the complexity and uncertainty of changes in the internal and external operating environment. It always takes precautions to resolve risks as the prerequisite for steady development.The exhibition principles of doing and business models are unreliable and cautious “, strictly implement the thinking of rule of law and bottom line, promote the construction of” strict governance and compliance operations “, and continuously improve the professionalization and refined risk management capabilities, and empower business development.Essence
Strengthen the entire process refined management
“It is necessary to take risk management as the core tool for improving the value and creation of value, and embed the whole process of strategic management.” The relevant person in charge of Consumer Finance of Xingye said that the company has taken the initiative to adjust the rhythm of development in recent years and follows the new economy, new business formats, new technologies and new modelsThe relationship between financial services, coordinating innovation and risk, strengthening the in -depth integration of comprehensive risk management and business management, ensuring the overall standardization and order of business operations, and realizing the same frequency resonance with the same frequency of risk management and strategic performance.
Based on the characteristics of the consumer finance industry, the company has continuously strengthened risks and refined control.The first is to refine the management of risk early warning, accelerate the improvement of the risk early warning mechanism, and gradually form a multi -dimensional, quantified, scientific and rigorous monitoring index system, and comprehensively dynamically monitor the risk performance and risk attributes of the business department, operation team, customer manager and risk approval personnel., Strengthen the supervision and management of off -site institutions and personnel.The second is to refine the full -process risk management, hold key nodes, and continue to improve the operating system to ensure that the “parent -proof and pro -visit”, return visits and post -loan tracking inspections in front of loans are all implemented.Profit, compliance creation value.
Improve the long -term mechanism of compliance internal control management
Compliant operation and standardized development are the basic requirements of regular consumer financial institutions, and it is also a prerequisite for the high -quality development of consumer finance companies.Only by continuously strengthening compliance business philosophy and transforming the external supervision requirements of compliance into the inherent business philosophy and self -discipline requirements of standardized development can the consumer finance industry be achieved healthy, stable, sustainable, and high -quality development.
Since the establishment of Industrial Consumption Finance for many years, it has always adhered to the operation of operating in accordance with the law and operating compliance, and firmly established the compliance concept of “awe, the bottom line, and the rules”.EssenceOn the one hand, the company strengthens the construction of compliance internal control, credit culture and institutional execution, cultivates the thinking of rule of law and the culture of rule of law.Improve the quality and efficiency of compliance internal control management.In addition, the system continues to ensure that the management decisions and implementation links are controlled, traceable, and inspected, which can effectively reduce human illegal operations.In order to enhance the awareness of compliance with front -line personnel and the literacy of the rule of law, the company regularly organizes a professional lecturer team to conduct in -depth special training in the front line, preferably compliance materials in key areas, and conduct warning education through typical cases of financial violations to strengthen the training effect.
On January 16, in the opening class of the main leading cadres of the provincial and ministerial level leading cadres to promote the high -quality development of financial development, “Actively cultivate financial culture with Chinese characteristics, achieve: honesty and trustworthiness, do not surpass the bottom line;The only profit is the picture; it is prudent and prudent, not in the hurry, and not urgent money;
The essence of finance is credit. At the beginning of the establishment of Consumer Finance, the service concept of “credit stands, with ‘sincerity’ loan” service concept will integrate honest and trustworthy into the entire process of business operations.Social dividend.In the future, Xingye Consumer Finance will continue to vigorously promote the financial culture with Chinese characteristics with practical actions, do a good job of the balance between “benefits” and “righteousness”. By strengthening the construction of risk control capabilities, optimizing business processes and marketing models, it is committed to reducing customer financing costs.Further enhance the depth and breadth of inclusive financial services, and build a stable and sustainable business model.