Research On Risk Management And Control Of Joint Investment And Loan Of WD Company

It is very difficult for cultural and creative industries to obtain loans from commercial banks,so they have been in the dilemma of "difficult and expensive financing" for a long time,and their development has been seriously hindered.With the goal of supporting the development of cultural and creative industries in Beijing,Beijing WD company has begun to carry out the practice of joint investment and loan in recent years.However,the difficulty of risk management and control,the degree of regulatory restriction,and the potential risk points of the investment loan linkage business are quite different from the traditional business,so the traditional risk control mode of artificial identification is no longer applicable.At the same time,since 2016,the company has carried out the standardized process of risk management and control of small loan business.Through the way of APP quantitative scoring,the preliminary screening of the project has been realized,which not only saves manpower,but also improves efficiency and achieves good results.Therefore,this paper intends to follow the development direction of the company,expand the quantitative scoring model to the investment and loan linkage business,and build a risk management and control system around the scoring model.The main work of this paper is as follows: first of all,this paper combs all the investment and loan linkage businesses carried out by the company in the past five years,identifies 7 categories of risks according to different business models,11 core risk points,and then finds 2-4 core risk evaluation indicators for each risk point;for those risk points that cannot be evaluated by building the model,the following paper proposes to manage them through management Second,considering the complexity of investment and loan linkage business and the combination of qualitative and quantitative characteristics of evaluation methods,this paper constructs a three-tier risk evaluation index system through AHP,summarizes the experience of front-line personnel to form specific evaluation criteria,gives comprehensive evaluation scores for each project,and proposes different five types of styles according to the scores Risk response strategies.At the same time,in order to improve the reliability of the model,this paper has done the following work: 1.In view of the strong risk and profitability of cultural and creative projects,this paper has established an evaluation model considering both development and risk dimensions;2.Considering the risk of investment business,some rigid project veto conditions have been proposed according to the previous failure experience;3.According to the company structure and development situation,from From the perspective of personnel,mechanism,risk mitigation and other management,the paper puts forward supporting measures for risk management and control,which improves the applicability of the model.Finally,in order to verify the effectiveness of this model,this paper uses the company's previous case,XZ communication,to test the model and verify the effectiveness and practicability of the model.Generally speaking,this paper starts from the actual problems of WD company,solves the business development problems of WD company by building a risk assessment system,puts forward a set of practical scoring model and model response mode,and supplements the supporting risk control measures according to the company's needs.The author believes that through some attempts and adjustments,it can be better applied to the actual business,and hopes to provide support for the future development and standardization of the company's business through this study.At the same time,it also provides a reference case for companies with similar needs.There are 3 pictures and 19 tables.