Risk Management Of Non-standard Investment Business

After years of development,the non-standard investment business has gradually grown in size.The scale of non-standardized creditor's rights investment in the whole industry has reached nearly 4.8 trillion by the end of 2017.In recent years,the risks arising from non-standard investment businesses have accumulated,which has seriously affected the financial and economic stability of the country.Since 2018,Asset management industry has entered the era of strict supervision.The state has issued legislation such as “new regulations for asset management” and “detailed of new regulations for asset management” to try to control the risks arising from non-standard investment business.Although the risk management system of non-standard investment business has been perfected,it has become more and more difficult to adapt to the current economic situation.A strong non-standard investment business risk control system is becoming more and more important for commercial banks.As a tier-one branch of a large state-owned commercial bank,A Bank has a relatively complete management system for its non-standard investment business,but there have also been incidents of financing customer defaults.This paper takes A Bank as the research object,deeply analyzes the problems existing in the risk management system of A Bank non-standard investment business and gives corresponding solutions.First of all,the second chapter of the paper introduces the development history of non-standard investment of A Bank.After data analysis,A Bank and its head office have made dynamics in non-standard investment business in recent years,and through the relevant cases,they have explained the two major investment models of A Bank non-standardized creditor's rights and non-standardized equity.Then,in the third chapter,the risk points in A Bank's existing risk management system and non-standard investment business process are displayed.In terms of non-standard investment business risk points,it Mainly from the before non-standard investment and after non-standard investment to Analyze the risks faced by non-standard investments.Before investing,A Bank may face the problem of lack of full-time investment bankers,which will lead to the problem of the low quality and slow speed of due diligence of A Bank.In addition,information asymmetry is another important risk point before non-standard investment.After the investment,A Bank may face risks such as weak post-investment management,declining collateral value,and default of the company.