Business scope of finance company
(1) Consulting on financial products such as credit and wealth management.
(2) Business services such as customer financial consultant, management consultant and enterprise business agent.
(3) Insurance auxiliary services, such as consulting, actuarial and risk assessment services.
(4) Cooperate with banks to provide services such as group purchase and installment payment for merchants and customers.
(5) Provide overall solutions and outsourcing services for human resource management, product marketing, auxiliary construction and operation of outlets, pre-lending marketing, post-lending asset management and collection of non-performing assets of financial enterprises.
(6) Providing and transmitting financial information, financial data processing and related software provided by other financial service providers within the scope permitted by laws and regulations on the premise of protecting financial consumers.
Identification principles of financial companies
Conform to classification rules
Classification rules are the basic rules that must be observed in any classification process, and also the standard to test whether the classification is correct. Therefore, the risk classification system of financial companies must first meet the classification rules. There are four main classification rules: I completeness. In the scientific sense, the sum of the divided species should be equal to the extension of the generic concept. M =π+P2+ VIII +Pn. In fact, every possible risk event can be classified as a risk category. The completeness of risk division system is the basis of enterprise's comprehensive risk management. Second, independence. Scientifically speaking, the sub-items according to the division are incompatible with each other and have completely different relationships. In practice, every possible risk event belongs to only one risk type. Uniqueness of standard iii. There is only one classification standard for each level. Iv logic level is clear. The logical level ensures the rigor and intuition of classification. Risks that are not at the same level cannot be listed side by side for discussion.
Clear definition
In a scientific sense, the definition term is generally attribute plus species difference, and a clear definition is the basis for forming a category system. Therefore, the definitions of various risks must be clear and easy for all employees to understand, and ensure that there will be no mistakes in the recording, statistics, monitoring and reporting of risk events.
Easy to measure risk
In order to accurately warn the comprehensive risks of financial companies, it is necessary to accurately measure all kinds of risks, so as to calculate the capital demand covering risks and the cost-effectiveness of risk transfer. Therefore, the risk division system must create favorable conditions for risk measurement.
Easy to supervise and control risks.
The purpose of measurement is to provide basis for risk early warning decision-making and control. Although dividing risks according to their mathematical characteristics may meet the measurement requirements, the measurement results may not help enterprises to take risk control measures. Therefore, the risk classification system of financial companies must also take into account the requirements of risk supervision on the basis of measurement, so as to take risk control and transfer measures according to the risk situation, so as to obtain the maximum economic benefits from the measurement results.
Compatible with the risk division system of mainstream financial industry.
In order to adapt to the development trend of diversification, mixed operation and comprehensive risk management in the international financial industry, various financial companies should establish a modern risk division system that meets mainstream standards.
Identification hierarchy of financial companies
Design of risk identification system at company level
Numerous internal and external factors drive the company's strategic implementation and goal realization. Whether these factors can be identified determines the success or failure of the company's comprehensive risk management. First, get risk advice from external experts at the company level. A company can obtain company-level risk opinions from legal advisers, external auditors, various financial rating agencies and other professional institutions, and disclose them in the annual report after analysis. The items disclosed include: exchange rate risk, price risk and industry risk. At the same time, you can also get more and more comprehensive information by participating in industry associations and communicating with well-known companies and consulting companies in the industry, so as to identify the risks at the company level more comprehensively. The second is to get risk opinions from internal managers at the company level. Managers at all levels should systematically analyze the internal and external environment of the company to identify possible risks. External environment analysis includes: macro environment, industry characteristics, competition situation, etc. At the same time, the company should also analyze its own resources and capabilities, including human resources, financial situation, intangible assets, core competitiveness and so on.
Design of Risk Identification System at Business Level
In addition to identifying risks at the company level, enterprises should also identify risks at the business level. By taking necessary measures to deal with risks at the business level, it will help to maintain risks at the company level at a reasonable and acceptable level. Companies can also obtain business-level risk information by listening to the opinions of external experts and internal experts. First of all, get information about the company's performance, customer satisfaction and market prospects from strategic investors, customers and other relevant stakeholders, so as to identify hidden risks. Second, get more detailed information about products, prices, sales channels, promotions, etc. from the business manager to further refine the risk information.
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