A Case Study On Credit Risk Control Of JX Investment Management Company

In recent years,with the vigorous development of the private loan market and the survival of the fittest,the risk control consciousness of many private loan companies has been strengthened,the level of risk control has been improved significantly,and a set of suitable risk control has been formed.Measures and experience in mitigating risks.At the same time,there are many individuals and enterprises who have a lot of money but are not good at business expansion and credit risk control.Tend to hand over funds to private loan intermediaries with greater business expansion or experience in credit risk control.In this process,gave birth to a large number of private loan intermediary companies.The owners of these private funds can cooperate with the private loan intermediary companies.In addition to using the sales team of the loan intermediary companies,they can quickly and effectively digest the idle funds and improve the efficiency of the use of the funds.They can also obtain relatively stable returns.Instead of taking on excessive management costs and credit risk.Whether a private lending company or a loan intermediary company,as long as it is engaged in credit business,JX Investment Management Co.,Ltd.(hereinafter referred to as JX Company),as a private loan intermediary company with real estate mortgage loan as its main business,is faced with the problem of how to control credit risk in risk identification,risk assessment and risk control.After loan management and other aspects have relatively perfect measures and more mature industry experience.This paper takes JX Company as the case study object,introduces its credit risk management system,and adopts the methods of literature research,field investigation,deduction and inductive reasoning,etc.This paper focuses on the comprehensive and in-depth analysis of credit risk control and summarizes its successful experience in risk control.This paper includes four chapters.The first chapter introduces the background and significance of this paper,the concept of credit risk,characteristics,risk management of the main links,risk control theory and domestic and foreign literature to sort out and summarize.And the paper frame and research methods are introduced.The second chapter introduces the market environment,development history,human resource situation,organization structure,credit products,management status,credit risk management system of JX Company.As well as the credit risk control process and measures to conduct a comprehensive introduction;The third chapter analyzes the credit risk control of JX company from three aspects: the design of credit products,the implementation of credit business and the internal audit mechanism.In the fourth chapter,through the heuristic thinking on the case of credit risk control of JX Company,the author summarizes the successful experience of credit risk control of JX Company which can be used for reference by enterprises in the same industry.