What does risk control mean?

This situation of bank risk control is mainly due to abnormal account flow, which is monitored by the banking system. You can bring your ID card to the bank to verify the information and unfreeze it. Bank risk control refers to the risk control of banks. From the perspective of loans, bank risk control only means that banks establish user analysis based on data models to reduce economic losses caused by loans overdue. Whether in the loan review or after the loan collection, it is the performance means of bank risk control.

First of all, the risk control methods are:

1. Risk aversion: Risk aversion means that investors stop their risk-taking behavior according to judgment and completely avoid specific loss risks. Pure risk aversion is the least active situation in dealing with risks, because investors often give up potential target returns while giving up risky behavior;

2. Controlling losses: Controlling losses is not simply to stop risky behaviors, but to reduce actual losses through actual behaviors and some measures. The control stage includes three stages: before, during and after. The main purpose before is to reduce the probability of loss, and the control during and after the event is mainly to reduce the actual loss.

3. Risk transfer: Risk transfer refers to the act of transferring the transferor's risk to the transferee in the form of concluding a contract; Through the process of risk transfer, the risk threat to users can be reduced to some extent. The main forms of risk transfer are contract and insurance.

4. Risk retention: Risk retention means taking risks. In other words, if a loss occurs, the economic entity will pay with any funds available at that time.

Second, it is suggested that cardholders should control the consumption quota within a reasonable range, and occasionally they can spend in high-end places, but the consumption quota should not be too large. Prepayment: The bank's risk control system attaches great importance to users' credit records, and it is recommended that cardholders repay before the repayment date, instead of waiting until the repayment date expires to pay off the arrears.

Third, the solution to the credit card being controlled by the wind: after receiving the bank text message, don't ignore it, ask the reason clearly, and solve it in time if it is improperly used; If it is because of illegal attacks, system problems, etc. You can cancel the risk control by verifying your identity with the bank in time, verifying your identity and modifying your password.