2017 Risk Control Department Work Summary
Introduction: risk control refers to the risk manager to take various measures and methods to eliminate or reduce the various possibilities of the occurrence of risk events, or the risk controller to reduce the loss caused by the occurrence of risk events. The following is the information I organize the summary of the work of the Department of Risk Control, welcome to read the reference.
Risk control department work summary 1
Review of the year xx annual risk control department in the specific work of the workload of the actual problem for the following comb:
1, the department's work of the institutional construction is not perfect;
2, the management of the existing personnel of the loose lead to the department's work to reduce the enthusiasm;
3, the existing management mechanism of the new customers and the original inventory The management of customers seriously lack of responsibility and work style.
xx year my department will mainly focus on the above issues to make specific adjustments to better match the company's overall development plan in xx year, specific adjustments to the content of the wind control system construction, process system improvement, the establishment of job responsibilities, pre-credit site visits, the organization of the review of the meeting, the project after the loan supervision and other a series of work is as follows:
a. Strengthening of risk prevention, the development of a series of measures to improve the system and system. Clearly defined job responsibilities specific allocation;
Second, the completion of the Department of Risk Control "business approach", "Risk Control Department daily work rules", "project review", "project management approach" and other daily work to carry out the specific business processes, so that the company in the business process, risk management, post-loan supervision and so on to do the chapters to follow, have a basis for evidence;
Third, according to the company's current stage of the development plan to increase Certain personnel to the normal operation of the daily work of the Department of Risk Control, in the supervision of the old customer notification of the development of new business, the specific content of the work of the personnel are as follows:
1, the production and operation of the borrowing customer, the financial situation, contract orders, industrial and commercial information and other aspects of due diligence, and at the same time on the business personnel to complete the project investigation report and hand over the project information to conduct a comprehensive review and found that the problem of timely reminder,
To reduce the risk of the business
This is the first time that a company has been able to provide a full range of services to its customers.
2, the risk control department as the implementation of counter-guarantee measures of the main organizing departments, in strict accordance with the set counter-guarantee measures to implement the mortgage, pledge procedures, and borrowing enterprises, counter-guarantee enterprises, joint natural persons and other legal documents signed by the lawfulness of the content of the compliance of a detailed review.
3, do a good job of project post-loan supervision and project expiration reminder work, regular visits to the project, the establishment of project post-loan files, the formation of the "post-loan investigation report.
4, the Department of Risk Control seriously do a good job of project statistics, monthly due next month to do a good job of expiring project principal and interest of the project is not due, and in writing to the Ministry of Finance, there are overdue customers timely processing, if necessary, in advance of the request for the return of the loan, the disposal of collateral and so on.
5, the implementation of the accountability system for new projects, the operator is responsible for the handling of the project to do a good job of the above four points, the fraud, assisting customers to fraudulent loans and other acts of implementation of the lifelong accountability system.
In order to meet the daily work of the Department of Risk Control to carry out the needs of the following business proposals:
First, with the local well-known renovation company to carry out short-term turnover renovation loans, loan period of up to 6 months, control means: the collection of the appropriate collateral, the guarantor and so on. Mainly for the better development prospects, the strength of the enterprise or individual to meet the customer in the bank loan or other payments failed to arrive in a timely manner ` case to provide a certain amount of loans, the loan amount does not exceed the total amount of renovation of 50%;
Secondly, Zunyi's local individual merchants or enterprises to a certain amount of short-term turnover loans, mainly for the short-term capital constraints of the merchant used to "Incoming" "Expansion" and other needs of individual merchants or enterprises, the means of control: the collection of the appropriate collateral, guarantors, etc.;
Third, with the company's platform to carry out automobile loans, personal mortgages and small amounts of Three years of profitability, with the ability to repay the debt on time, with collateral and counter-guarantee conditions to support enterprises.
The existing urgent need for post-loan supervision of the customer statistical distribution management, in strict accordance with the relevant provisions of the monthly statistical report, the customer has been overdue to take scientific means to continue to collect as far as possible to reduce losses.
Risk Control Department
xx February 16
Risk Control Department Work Summary 2In 20XX, the Risk Control Department, under the care of the company's leadership and the strong support of colleagues from various departments, worked hard to overcome the inconvenience caused by the frequent staff adjustments in accordance with the company's overall work concept and deployment, and completed the pre-insurance substantive inspection of insurance projects, review and signing of legal documents, organizing project argumentation meetings, and expanding the project's business. Overcoming the inconvenience caused by frequent staff adjustments, we have completed a series of work such as pre-insurance substantive inspection of insurance projects, review and signing of legal documents, organizing project seminars, expanding new business varieties, and handling non-performing projects.
Main Work
(a) Introduction of professionals to strengthen the construction of the risk control system
1. In 2011, the Department successfully introduced two professionals to build a highly efficient risk control team, laying the groundwork for the improvement of the quality of the work of the wind control.
2, through the leadership, the investment department colleagues of the many communications and practice in the continuous exploration, risk control work has now formed a more complete process. Our department has 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 Self-Assessment Form for Project Quality Analysis of the Investment Department.
3. Revised the "Project Investment Management System" with the cooperation of the investment department, and integrated the risk control process and measures formulated in the "Risk Control System" into the "Project Investment Management System", so as to make the risk control work more routine and specific, and to further standardize the work of the company's project investment while improving the company's risk control system.
(B) Reveal the risks of the proposed investment projects
1. Summarize the project application forms of the investment departments, collect project information and preliminary risk analysis in a timely manner, and exchange views with the investment departments in order to better screen the projects.
2, urge the investment manager to submit project specific information in a timely manner, and to do further risk analysis, to the project team to show the list of problems, to the company's internal audit will be issued to the risk assessment of the proposed investment projects, for the Internal Audit Committee to provide a basis for decision-making.
3, the proposed investment project on-site wind control investigation, real-time communication with the project manager, the implementation of the project may exist in the risk of points, based on which to write a project risk assessment report submitted to the Investment Decision-making Committee and the Risk Control Committee, as the basis for project judgment.
4, responsible for risk control committee meeting work, timely submission of project information to the risk control committee, summarize the members of the review comments. Monthly newsletter to the Risk Control Committee, so that members of the timely understanding of the company's investment.
(C) focus on the situation of invested projects
1, collect and summarize the information of the invested projects in the year of xx, and analyze the operation of each enterprise in the year of xx, and write the "report on the operation of the invested projects in the year of xx", so as to enable the management to better understand the progress of the invested projects.
2. Paying attention to the risk points of the invested projects in real time, we communicated with the project leaders and enterprises many times, and made corresponding suggestions, and negotiated with lawyers on the solution measures when necessary. In addition, the company has also written relevant special situation reports. For example, the asset injection problem of harbor and sea construction, and the major problems of Xinda silver industry.
(D) to strengthen the management of legal matters
1, according to the requirements of the company's management system for routine contract review.
2, communicate and coordinate with the legal adviser, urge it to deal with legal matters for our company in a timely manner, including the review of the contract and the issuance of legal opinions, project investment in legal risk consulting.
3, it is recommended to hire a legal service organization to assign lawyers to sit in the company to effectively improve the efficiency of the company's legal matters.
(E) to assist the work of various departments
1, according to the needs of the project investigation, for the investment department in the investment process involved in the financial and tax issues to provide advice, and contact intermediaries to carry out legal and financial due diligence.
2, for the company's fund-raising matters to provide financial, tax-related assistance, and urge the legal adviser to provide legal support.
3, on the company's asset evaluation, audit, capital verification and other matters to contact the firm and related issues for communication and coordination. Summarize the past year, the Risk Control Department has done some work, but compared with the requirements of the company's leadership and the development needs of the company's business, we are sober enough to realize that there are still large gaps, mainly in the following areas:
(a) the work of the wind business in the form of a form, and even become a subsidiary department of the Ministry of Operations. Due to the two departments of staff tension, business volume, sometimes the work of the two departments to cross, many projects in order to catch up with the progress of the Department of wind control led to many audits can not be carried out in an orderly manner on time. We believe that strict and complete business processes and procedures are our last risk barrier, which should be observed by each and every one of our business personnel and should not be formalized or reversed. Looking back on past work, staff in our department had little communication with business department staff and found problems that they did not raise in a timely manner for fear of affecting work efficiency. Strict and complete business processes and procedures in a short period of time may affect the work progress and efficiency, but the development of such work habits is precisely the work we can boldly carry out the premise and guarantee the order.
(ii) Failure to timely supervise the business sector to carry out post-warranty inspections.
Since this year, by the guarantee business pressure and personnel changes, the regular post-protection management of the project in the guarantee basically stopped, and the risk control department did not timely urge the business sector to do a good job of post-protection inspection. As a result, the existence of risks was not detected in time, and bad projects occurred in lieu of compensation.
(C) The theoretical level and professional knowledge of the risk control personnel themselves need to be further improved. With the development of the company's business, the demand for high
quality professionals more and more, the risk control department this year, frequent personnel adjustments, from the constraints of the comprehensive development of the risk control business. So far, there is a lack of law graduates who are qualified as lawyers or have practical legal work experience to deal with legal affairs such as review of legal documents. The existing personnel related knowledge is narrow, should strengthen the theoretical knowledge, national policy, business skills and other aspects of learning and improving.
(d) Although the system has, the implementation of poor.
This year, the Risk Control Department according to the actual situation successively developed relevant systems and forms. But the implementation is not strong enough, forcing some of the system has become a pendulum. A good system focuses on implementation, if the implementation is not enough, and then the good system is equal to zero. We reflect on the reasons for the lack of implementation of two aspects:
1, the system itself is flawed: the system is out of touch with the reality of the enterprise, the lack of implementation of the foundation;
2, the implementation of the system of human problems, people do not attach enough importance to the system, the lack of motivation to implement.
In short, in the new year, we will be in accordance with the company's arrangements, do our best to complete the specific implementation of the decisions, strengthen business learning, work in earnest, and constantly improve to strengthen the ability to prevent risks, and contribute to the accelerated development of the company.
Risk Control Department
December 8, 2000
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