Summary of Risk Control Department's Work

Summary of Risk Control Department's Work in 20 17 Years

Lead: Risk control means that risk managers take various measures and methods to eliminate or reduce the possibility of risk events, or risk controllers reduce the losses caused by risk events. The following is my summary of the work of the risk control department. Welcome to read the reference.

Summary of the work of the Risk Control Department 1 Review of the practical problems of the heavy workload of the Risk Control Department in the specific work in xx years are as follows:

1, the construction of departmental work system is not perfect;

2. Loose management of existing personnel, leading to a decrease in the enthusiasm of the department;

3. The existing management mechanism seriously lacks the sense of responsibility and working methods for the management of new customers and existing customers.

In xx, our department will mainly make specific adjustments to the above problems to better cooperate with the company's overall development plan in xx. The specific adjustments are: the construction of risk control system, the improvement of process system, the establishment of post responsibilities, on-site inspection before lending, the organization of review meeting, and post-lending supervision of the project.

First, strengthen risk prevention, formulate and improve a series of measures and systems, and clarify the specific distribution of post responsibilities;

2. Complete the daily work of the risk control department, such as business development measures, daily work rules of the risk control department, project audit, project management measures, etc., and carry out specific business processes, so that the company has rules to follow in business processes, risk management, post-loan supervision, etc.;

Three. According to the company's development plan at this stage, a certain number of personnel will be added to enable the daily work of the risk control department to be carried out normally, and new business will be carried out in the notice of supervising old customers. The specific work contents of the personnel are as follows:

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2. The Risk Control Department, as the main organizer of implementing counter-guarantee measures, strictly follows the set counter-guarantee measures to implement mortgage and pledge procedures, and conducts a detailed review of the legality and compliance of legal documents signed by borrowing enterprises, counter-guarantee enterprises and joint natural persons.

3. Do a good job in post-loan supervision and project expiration reminder, pay a return visit to the project on a regular basis, establish post-loan files of the project, and form post-loan investigation reports.

4. The risk control department should do a good job in project statistics, do a good job in monthly statistics of project principal and interest due next month, and send it to the finance department in writing. Customers who are overdue should be dealt with in time, and if necessary, they should be required to repay the loan and mortgage in advance.

5. Implement the new project responsibility system. The handling personnel are responsible for the above four tasks for the projects handled, and they are responsible for practicing fraud and assisting customers to defraud loans for life.

In order to meet the daily work needs of the risk control department, the following business suggestions are put forward:

First, cooperate with well-known local decoration companies to make short-term revolving decoration loans with a maximum loan period of 6 months. Control means: collect corresponding collateral, guarantor, etc. Mainly for enterprises or individuals with good development prospects and strength to provide certain loans to customers when bank loans or other funds are not in place in time, and the loan amount does not exceed 50% of the total decoration amount;

2. Issue a certain amount of short-term revolving loans to local individual merchants or enterprises in Zunyi, mainly for individual merchants or enterprises that are short of funds in the short term for "purchase" and "expansion". Control means include: collecting corresponding collateral, guarantor, etc. ;

Third, cooperate with the company platform to carry out auto loans, personal mortgage loans and small "white"

Enrich the types of platform loans such as personal credit loans;

Fourth, strictly review the original enterprise loans, and support enterprises that have established bank credit relations and obtained bank credit rating of B or above, have normal credit information, products sell well in the market, have development potential and profitability for three consecutive years, have the ability to repay the principal and interest on schedule, and have mortgage and counter-guarantee conditions.

Manage the existing customers who are in urgent need of post-loan supervision after statistics, make statistical statements for the current month in strict accordance with relevant regulations, and continue to collect overdue customers through scientific means to minimize losses.

Risk control department

February, xx 16

Summary of the work of the Risk Control Department in 2 20XX, with the care of the company leaders and the strong support of colleagues in various departments, the Risk Control Department worked hard according to the overall working ideas and arrangements of the company, overcame the inconvenience caused by frequent personnel changes, and completed a series of work such as substantive inspection before insurance, legal document review and signing, project demonstration meeting, expanding new business varieties, and disposal of bad projects. The main work of the past year is summarized as follows:

Main work content

(1) Introduce professionals and strengthen the construction of risk control.

In 1 and 20 1 1 year, our department successfully introduced two professionals, which laid the foundation for establishing an efficient risk control team and improving the quality of risk control work.

2. Through repeated communication with the leaders and colleagues of the Investment Department and continuous exploration in practice, the risk control work has now formed a relatively complete process. Our department revised the risk control system according to the actual situation, further standardized the risk control process, and improved the format text in the process, including the risk assessment report and the project quality analysis self-evaluation form of the investment department.

3. With the cooperation of the Ministry of Investment, the project investment management system was revised, and the risk control processes and measures formulated in the risk control system were integrated into the project investment management system, which made the risk control work more routine and specific, and improved the company's risk control system while further standardizing the company's project investment work.

(2) Revealing the risks of the project to be invested

1. Summarize the application forms of various investment departments, collect project information and conduct preliminary risk analysis in time, exchange opinions with investment departments in time, and better screen projects.

2. Supervise the investment manager to submit the specific information of the project in time, make further risk analysis, list the problems to the project team, issue the risk assessment opinions of the proposed investment project to the internal audit committee of the company, and provide the decision-making basis for the internal audit committee.

3. Conduct on-site risk control investigation on the project to be invested, communicate with the project manager in real time, and identify possible risk points of the project. On this basis, write a project risk assessment report and submit it to the investment decision-making Committee and the risk control Committee as the basis for project judgment.

4. Be responsible for the meeting of the Risk Control Committee, submit the project materials to the Risk Control Committee in time, and summarize the evaluation opinions of members. Submit the work briefing to the Risk Control Committee every month, so that members can keep abreast of the company's investment.

(3) Pay attention to the invested projects.

1. Collect and summarize the data of investment projects in xx years, make a detailed analysis of the operation of various enterprises in xx years, and write a report on the operation of investment projects in xx years, so that the management can better understand the progress of investment projects.

2. Pay attention to the risk points of the invested projects in real time, communicate with project leaders and enterprises for many times, put forward corresponding suggestions, and discuss solutions with lawyers when necessary. Write relevant special reports. For example, the problem of asset injection in port and sea construction and the major problem of Cinda banking.

(4) Strengthening the management of legal affairs.

1. Conduct regular contract review according to the requirements of the company's management system.

2. Communicate and coordinate with legal counsel, and urge them to handle legal affairs for our company in time, including contract review and legal opinions, legal risk consultation of project investment, etc.

3. It is suggested to hire legal service agencies to assign lawyers to work in the company, so as to effectively improve the handling efficiency of the company's legal affairs.

(five) to assist the work of various departments.

1. According to the needs of project investigation, provide consultation for financial and tax issues involved in the investment process of the Investment Department, and contact intermediaries to conduct legal and financial due diligence.

2. Provide financial and tax assistance for company financing, and urge legal counsel to provide legal support.

3. Contact the firm on the company's assets evaluation, audit and capital verification, and communicate and coordinate related matters. To sum up, the risk control department has done some work in the past year, but compared with the requirements of the company leaders and the development needs of the company's business, we clearly realize that there is still a big gap, mainly in the following aspects:

(1) The work of risk control business becomes a mere formality, and even becomes a subsidiary department of the sales department. Due to the shortage of manpower and large business volume of the two departments, sometimes the work of the two departments overlaps. In order to catch up with the progress, many projects cannot be carried out in time and in an orderly manner. We believe that strict and complete business processes and procedures are our last risk barrier, which every business person should abide by, and should not become a mere formality and reverse the order. Looking back on the past work, the staff in our department rarely communicate with the staff in the business department, and they don't put forward problems in time for fear of affecting work efficiency. Strict and complete business processes and procedures may affect the work progress and efficiency in a short time, but the cultivation of this work habit is the premise and guarantee for our bold and orderly work.

(two) did not promptly urge the business department to carry out post-insurance inspection.

Since the beginning of this year, due to the pressure of guarantee business and personnel changes, the routine post-guarantee management of projects under guarantee has basically stopped, and the risk control department has not urged the business department to do a good job of post-guarantee inspection in time. As a result, the existence of risks was not discovered in time, and the compensation for bad projects appeared.

(3) The theoretical level and professional knowledge of risk control personnel need to be further improved. With the development of the company's business, high

The demand for high-quality professionals is increasing, and the personnel of the risk control department are frequently adjusted this year, which restricts the all-round development of the risk control business. So far, there is a lack of law graduates with lawyer qualifications or practical legal work experience to handle legal affairs such as the review of legal documents. The existing personnel have a narrow range of relevant knowledge, so we should strengthen the study and improvement of theoretical knowledge, national policies and business skills.

(d) Although the system exists, its implementation is weak.

This year, the risk control department has successively formulated relevant systems and forms according to the actual situation. However, the lack of enforcement has forced some systems to become furnishings. A good system focuses on implementation. If the execution is not enough, even the best system is equal to zero. We reflect on the lack of execution for two reasons:

1, the defects of the system itself: the system is out of touch with the actual situation of the enterprise and lacks the basis for implementation;

2, the implementation of the system, people pay insufficient attention to the system, lack of motivation to implement.

In short, in the new year, according to the arrangement of the company, we will go all out to complete the specific implementation of various decisions, strengthen business study, seriously carry out work, continuously improve the ability to strengthen risk prevention, and contribute to the company's accelerated development.

Risk control department

20XX year1February 8th

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