The risk control management of consumer finance holds the lifeblood of the future.

The risk control management of consumer finance has always been criticized, whether it is the internal mistakes or the invasion of external loans. Is nibbling away at this industry bit by bit.

Consumer finance is the attribute of finance, so we must pay attention to risk prevention and control, build an automatic decision-making system for consumer finance, realize the coverage and control of the whole process of risk management, and establish an omni-channel asset quality management mechanism.

Considering the risks faced by consumer finance, participants in the consumer finance industry need to build a complete risk control system to comprehensively manage the risks before, during and after the development of consumer finance business. The risk control system includes new product launch risk assessment, channel management, anti-fraud manual investigation, operational risk management and asset management. Among them, the use of scientific and technological means for big data credit will become the future development trend of the industry.

According to many practitioners, the bad debt rate of the mutual gold industry has reached as high as 20%, and it is still rising.

The industry's negative toxins have begun to be released …

0 1 collective lies

"An embarrassing situation is that risk control is becoming a collective lie in the industry." Dai Le is the CEO of a big data company. Prior to this, he started his own business in the internet finance industry many times and had a deep understanding of various fields.

"Most Internet finance companies may only have a blacklist system, and people outside the blacklist can put it in." Dai Le said.

The risk control department that can't be played is developing in some extremely absurd forms.

Blue-collar loan, a consumer finance company, stipulated in the initial loan rules that it is necessary to provide a screenshot and account number of another cash loan approval.

"Blue-collar loan auditors log in to the interface of other cash loans, and after viewing the screenshots, they are approved," said several users with blue-collar loan borrowing experience.

After many negotiations by the cash loan company, the blue-collar loan revised the rules.

The relevant personnel of the blue-collar loan also acknowledged the existence of this regulation. "We revised the rules in June this year."

And this is by no means a case.

A loan platform specially built for game users, with a maximum credit line of 5,000 yuan. You can lend money by providing Alipay screenshots and sesame screenshots.

In addition, there are many platforms, and there are only two risk control rules: mobile phone real name and authorized reading address book.

"As long as you can find the borrower's relatives and friends, you can call to get the money back." Dai Le said that such risk control is a joke. "There are many such platforms. The reason for doing this is because the cost of credit review is very high. Either you don't want to spend money, or you don't have the ability to control risks, you will take an opportunistic approach. "

Digital risk control leads innovation;

An understanding reached by people in the banking industry is that emphasizing innovation and change and following risk control and compliance have become the focus of current consumer finance development.

"Comprehensive risk management is the core of the management of the entire consumer finance company. From the bank's point of view, consumer finance is essentially a loan, and loans must adhere to pre-loan investigation, loan review and post-loan inspection. " Wu Chungang, senior director of the Consumer Finance Internet Division of Bank of China, said.

In fact, in recent years, the banking industry has been actively exploring an effective model of consumer financial risk management by taking advantage of its own risk control. Among them, the application of financial technology has released enormous energy.

Driven by the multiple benefits of demographic dividend+technology dividend+regulatory dividend, there will be many companies with a valuation of more than $654.38 billion in various segments of the consumer finance industry in the future. Driven by the scale effect of scenes, channels and users, the next phase of accelerated expansion of consumer finance companies has just begun.