Study On The Improvement Of Risk Management System Of Leaguer Financial Corporation

Under the impetus of economic globalization and the integration trend,opportunity and completion coexist in the financial market.Against this background,we take League Financial,a financial-oriented Holding Co.,ltd in Shenzhen,as the research subject.From the single guarantee business in the early stage to the expanding areas in investigation,guarantee,microfinance and other businesses.During the development and the establishment of comprehensive financial service platform,League Financial put the risk management on the agenda once again.Based on the theoretical knowledge and documents,this paper inspects the problems and drawbacks in risk management of League Financial,which mainly manifests in the following aspects: outdated risk management policy,weak awareness to risk control,limited credit evaluation methods,irrational risk control organization structure,lengthy of the business risk audit etc.To solve the above problems we put forward the overall thinking including the strategic target and optimization of ideas and concrete optimization plan in risk management specifically exhibited in revision of risk management policy,the optimization of the risk control organization structure,risk identification and measurement improvement method,system design of risk early warning.In order to realize the optimization scheme,this paper provide the supporting measures in the end,including the construction of risk management culture,measures of personnel talent optimization,the construction of information platform,internal supervision and the auxiliary measures of performance evaluation.The innovation of this paper mainly embodies the following three aspects: First,put forward the “Four Defense Line” of risk management refers to the executive and risk management committees,project review committees,risk management departments and business units respectively.Among them,the executive and risk Management Committee is the highest body,the evaluation Committee is the decision-making body,the risk management department is the functional department,business unit is the primary sector.Second,deeply analyze the risk condition of League Financial.According to the scope of the businesses of League Financial,we can make a conclusion that the risk mainly embodies in the credit risk,operating risk and liquidity risk etc,and then to propose the corresponding countermeasure analysis of the risk early warning and comprehensive risk management to solve the existing problems.Third,propose the complete risk management revision plan including tailor-made risk management system for guarantee businesses,microfinance and investment individually and design theprocedures for the investigation decision-making.