How soon can PUFA receive the risk control SMS with reduced quota?

Within 3 months after receiving the SMS 1, the amount may be reduced. Like the third-level risk control, the content of SMS is to prompt the existence of abnormal card use behavior, standardize the use of cards, keep all consumer transaction vouchers, give early warning of subsequent improper card use, and take risk control measures such as freezing and terminating credit cards.

Risk aversion Risk aversion means that investors consciously give up risk behavior and completely avoid specific loss risks. Simple risk aversion is one of the most negative risk management methods, because investors often give up potential target income while giving up risk behavior. Therefore, this method is generally only used in the following situations:

(1) Investors are extremely risk-averse.

(2) There are other schemes that can achieve the same goal with lower risk.

(3) Investors cannot eliminate or transfer risks.

(4) The investor cannot bear the risk, or the risk is not fully compensated.

Loss control Loss control is not to give up risk, but to make plans and take measures to reduce the possibility of loss or actual loss. The stage of control includes three stages: before, during and after. The purpose of pre-control is mainly to reduce the probability of loss, and the control during and after the event is mainly to reduce the actual loss.

Risk transfer Risk transfer refers to the act of transferring the risk of the transferor to the transferee through the contract. The risk transfer process can sometimes greatly reduce the risk of economic entities. The main forms of risk transfer are contract and insurance. (1) Contract transfer. By signing a contract, some or all risks can be transferred to one or more other participants. (2) insurance transfer. Insurance is the most widely used way of risk transfer. To keep the risk yourself is to take the risk. In other words, if a loss occurs, the economic entity will pay it with any funds available at that time. Risk retention includes unplanned retention and planned self-protection.

(1) Unplanned reservation. Refers to the payment from the income after the risk loss occurs, that is, no financial arrangements are made before the loss occurs. When the economic subject is not aware of the risk and thinks that the loss will not happen, or when the maximum possible loss related to the risk is obviously underestimated, it will take unplanned reservation to bear the risk. Generally speaking, there is no need to use capital reserve carefully, because if the actual total loss is much greater than the expected loss, it will cause difficulties in capital turnover.

(2) protect yourself in a planned way. It means that before the possible loss occurs, various financial arrangements are made to ensure that the loss can be compensated in time. Planned self-insurance is mainly realized by establishing risk reserve.