| The non-standard financing business originated in 2008.It is a financing model launched by banks to circumvent supervision and innovation in a situation where credit is in short supply.Due to its unique flexibility,after more than ten years of rapid development,its scale has shown explosive growth,which has brought benefits to both parties to the financing.However,it is followed by frequent occurrence of risk events.As the investor,the bank’s risk management issues have gradually become prominent.This thesis takes Y Bank as the research object,innovatively selects Tianjin urban investment companies with typical problems in non-standard financing to conduct research,using experience summary method,case analysis method,comparative analysis method,qualitative analysis method and other research methods.First,analyze the overall development of the non-standard financing market and risk events,and according to the risk classification under the framework of the New Basel Agreement,summarize the risks that Bank Y has in developing the non-standard financing business of Tianjin urban investment enterprises;secondly,it is aimed at the above risks.Combining the risk management of Bank Y and the risk characteristics of urban investment enterprises,it proposes targeted risk management measures;finally,the risk management method is analyzed in the case.The non-standard financing business provided by Bank Y for urban investment enterprises in A marks Y The bank’s first non-standard urban investment business in Tianjin was launched,and it was also the first non-standard financing business of City A,which opened up new financing ideas for the company and was an innovation and exploration for both parties.After analysis,Bank Y’s development of non-standard financing business for urban investment companies mainly involves four aspects: credit risk,management risk,market risk,and operational risk.It can establish and improve a risk prevention and control system,strengthen risk monitoring,and improve pricing capabilities.And improve the quality of employees to enhance risk management capabilities.At present,economic growth has slowed down and financial supervision has become stricter.How to develop non-standard urban investment businesses is a common problem for commercial banks.The risk management strategy provided for Bank Y will likely affect the subsequent development and regulation of Bank Y and other commercial banks.The non-standard urban investment business has certain reference significance. |
