Research On Risk Control Of Z Bank Logistics Financial Businesss

With the rapid growth of the overall scale of the logistics industry,the risks of logistics financial business are also emerging.In commercial banks,the logistics financial business has the characteristics of multi-subjects,multi-processes,and multi-modes.While the business is spreading rapidly,it also exposes the bank’s various risks such as credit risk,operational risk,pledge risk,and legal risk.The lack of control,especially the unreasonable setting of some business processes,has caused many hidden dangers in the risk prevention and control of commercial banks.In order to better control and reduce financial risks,commercial banks should improve their awareness of risk prevention and control,dig deep into the causes of risks,fill in internal risk control loopholes,enrich external risk prevention methods,and formulate a sound logistics financial business risk control strategy,in order to realize logistics financial business High-quality development of business.Therefore,this paper takes Z Commercial Bank as the research subject,and finds that there are still many potential risks in the development of Z Bank’s logistics financial business through field investigation of the basic situation of its logistics financial business.To this end,this paper first uses questionnaires to collect the satisfaction rating data of Z Bank’s logistics and financial business personnel on risk factors,analyzes and screens out factors with a high degree of dissatisfaction,and applies factor analysis to classify them as Z Bank Internal risk,regulatory risk for financing companies,regulatory risk for third-party logistics companies,and regulatory risk for pledges are four common factors;then combined with literature analysis,select 11 indicators such as credit investigation adequacy,employee quality,and utilization rate of information platforms,build Z bank logistics financial business risk index system,and apply the analytic hierarchy process for risk evaluation.Through evaluation and analysis,it is found that the control of risk indicators in five aspects:business process risk,utilization rate of information platform,realization ability of pledge,inventory supervision risk and adequacy of credit investigation is the focus of Bank Z to strengthen risk control.Finally,risk control strategies are put forward from the four aspects of business process improvement,business information platform improvement,pledge evaluation outsourcing adjustment,and strengthening of personnel training,and strengthen the control of key indicators to provide ideas for improving the quality of risk control of commercial banks’ logistics financial business.