Risk Control Analysis Of Huiye Loan Business Of Zhangjiakou Bank

In recent years,the Zhangjiakou Municipal Government has actively responded to the development plan of the “Manufacturing 2025” of the country and vigorously supported the development of high-end equipment manufacturing.As a result,a large number of SMEs in the high-end equipment manufacturing industry have emerged.Due to the need of financial support for the development of the economy and enterprises,Zhangjiakou Bank actively promoted loan products for the small and medium-sized manufacturing enterprises.Huiye Lending has effectively supported the development of small and medium-sized enterprises in the high-end equipment manufacturing industry,to a certain extent eased the problem of its financing difficulties.However,as the high-end equipment manufacturing industry belongs to the emerging supporting industries in Zhangjiakou,there are defects such as unstable profits,poor risk tolerance,and chaotic business management.This poses risks and challenges for Zhangjiakou Bank to carry out “foreign business loans”.In the context of the development of new finance and new technologies,this paper further improves the business risk control of Huiye Lending,which is beneficial to the continued healthy development of the Huiye Lending business,and it is also beneficial to the construction of the Zhangjiakou Bank's risk control system.This paper takes the Zhangjiakou Bank's business risk control of the Huiye loan issued by small and medium-sized enterprises in high-end equipment manufacturing as the research object,and adopts literature analysis method,financial index method and comparative analysis method to analyze it concretely.First of all,it introduces the background,significance,innovation and deficiencies of the thesis.Next,we introduced the Zhangjiakou Bank and Huiye Lending business,and introduced the causes and development status of the Zhangjiakou Bank Huiye Lending business,laying the foundation for the next analysis of Zhangjiakou Bank's risk control business risk control.From the four aspects of the legal aspects of the policy,the level of interest rates,the credit level of the borrowing company,and the level of bank operations,the current status of risk control of the “Hui Ye Credit” business of Zhangjiakou Bank was analyzed.On the basis of this,the “risk of business loans” business risk control is introduced from the aspects of the lack of deep understanding of the policies and laws of the banks,the incomplete consideration of the impact of market interest rates,the lack of information collection capacity of borrowing companies,and the unscientific operation and management of credit business.The problem next,by referring to the Zhangjiakou Bank Bond Rating Report,annual report,etc.,and combining with the existing problems in risk control,the reasons for the existing problems in the risk control of the “Huiye Credit” business of Zhangjiakou Bank were analyzed.Finally,combined with Zhangjiakou Bank's Huiye Credit business risk control problems,we have to grasp government policies,establish a legal risk prevention and control system,use big data to realize product pricing,raise employee awareness of interest rate risk,and use big data to collect customer information and establish Credit information model;Accelerate the development of the talent team,standardize the “three checks” for loans,and strengthen the credit technology to provide countermeasures.In short,under the background of the rapid development of Internet finance,big data,blockchain and other applications,combined with Zhangjiakou Bank's Huiye loan business risk management status,Zhangjiakou has been achieved through innovative application of big data,blockchain and other technical means.The Bank's "Hui Yee Credit" business is booming and the "Hui Ye Credit" business risk control level has increased.