Risk Assessment And Control Of Credit Business In HF Depository And Lending Network

With the gradual development of P2 P fund management business in commercial banks,although it has made a contribution to ensuring the safe operation of P2 P industry,but because of the high risk of P2 P industry,At present,the proportion of commercial banks and P2 P platforms involved in P2 P deposit management is still small.Therefore,this paper takes HF bank's loan network as an example,carries on the qualitative and quantitative analysis to its risk factor,and puts forward the corresponding optimization plan and the solution according to the analysis result.First of all,through the research background,purpose,significance,domestic and foreign research status,research methods and research path for a systematic overview;and with the research phase Based on the introduction of HF bank deposit management business development,appropriate loan network business model and development,this paper analyzes the advantages of HF bank deposit management network cooperation.And its risk identification and control system analysis is simply introduced and explained.Secondly,through establishing the index system,designing and issuing the questionnaire,using the fuzzy comprehensive evaluation method to deal with the questionnaire data,to evaluate the risk.Finally,the risk control is optimized,and its own views and suggestions are put forward.The analysis found that the bank was stored in a bank.The main risks of the network are mainly credit risk and operational risk.The causes of risk are mainly divided into two categories.One is the lack of clear internal business development strategy,the lack of staff ability and quality,the insufficient supervision and control of risk,and so on.The other is caused by the external market environment,the borrower's moral,operating and financial conditions.From the point of view of HF bank,this paper puts forward some optimization measures to reduce the risk of deposit-management and loan-to-loan network,which can fully reduce the risk of deposit management and loan-to-loan network in HF bank withmulti-channel and omni-directional measures and methods.In particular,regarding the direction of P2 P lending platform,the state should strengthen the credit information system.In order to reduce the risk of P2 P lending platform business,it is necessary to set up the necessary access system and increase the state supervision.