3 thoughts on “People who work in financial companies talk about risk control.”
Gail
Risk control is not a new profession, but its development momentum has become better and better in recent years. It has become a tight career in the field of traditional finance or Internet finance. This is related to the diversification of the financial field in recent years, and users have become more and more concerned about risk control. Generally speaking, the work involved in risk control positions includes business review (the review before the business occurs, the review is usually not approved, the business cannot be implemented), risk monitoring Wait) and comprehensive business management (statistical analysis of data, etc.).
. Work content (within the bank, insurance, trust, futures, P2P Internet financial platform, the work of risk control is not the same.) 1. For other types of financial institutions, banks' risk management departments are more mature. The "Basel Committee" established a clear risk management standard for global commercial banks in the "Basel" in July 1988 and determined which types of risks of management. In particular, it is very clear about how to control credit risks, market risks, and operating risks.
The loan business is the first type of business in bank risk control. The central risk control department often starts to enter the risk review when customer reading loan rules. See if the personal risk assessment of the loan object meets the requirements, the business after risk assessment will be submitted to the higher management office for approval - that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, The work of risk control exists during the transaction.
This of bank risk control has also become the mother's originality of many financial institutions. For example, the insurance industry is mostly referred to the bank.
2. Futures, trusts, small loans, and financial leasing companies From the perspective of risk management, futures, trusts, microfinances, and financial leasing companies are relatively new types. Their risk management focuses on risk, focusing on credit risk, operating risks, market risks, trading risks, and so on.
In emerging places in these industries are also reflected in the complex and innovative needs of business. For example, trust, real estate as a trust product and a car as a trust product. To some extent, each project needs to develop a set of innovative financial products. When an innovative product comes out, can this product become a fund or a certain product to push to the market, and their risk management department will be reviewed. In this case, the risk management department needs to determine whether the risk of this new product is controllable? How big is the risk control? In case of a problem, the project collapses, and when the savings or investors come to ask for money from the company, how much is the pressure on the funding of rigid payments? How much possibilities are possible, this project may not be able to collect money?
The risk management department is very important for the approval of new products. If the risk management department or the risk management committee does not approve it, this new business may really be dropped. This is a very powerful department.
3. Online personal credit (P2P) Compared with the traditional financial field, P2P is still in the initial stage, so risk management may not be perfect. When some companies do such financial products, they may start management risks just from dug one or two people from financial companies. Their risk management is mainly concentrated in credit risk review.
. Job requirements (On traditional finance or Internet finance, risk control can be regarded as a job with high hard skills requirements, but according to the different work content, the requirements of the company are different.) In traditional financial fields and P2P, the knowledge and experience of the financial industry are important. For graduates, although most financial institutions and enterprises are holding a concept of "it is white paper anyway, I can use our system to cultivate" Professional certificates such as FRM Financial Risk Manager and CFA Chartered Financial Analysts will be more competitive.
For social recruitment, risk control talents mainly come from two channels, one is to find someone from other similar institutions; People often have some external service experience for financial enterprises for approval or corporate risk control.
. Work status and challenges The risk control of different types of financial institutions and enterprises due to their different functions, and the working status will be different. usually, the risk control departments of some large banks due to their stable business, large scale, and sufficient personnel. Therefore, the work load is small and belongs to departments with less work pressure in the industry. However, the risk control functions of some multinational banks are often concentrated in foreign headquarters or regional centers. China's risk control department plays more roles in execution. Personal ability reflection and growth space will be limited.
In some large financial institutions, the focus of risk control is how to transform the leadership's risk preferences into reasonable risk control work indicators and highlight its own value.
It small and medium -sized financial enterprises, as well as risk control of non -bank financial institutions. Due to the complex business type, high innovation, and large change, risk control personnel who were not enough often needed to bear greater greater ones. Workload. The functional pressure of such risk control personnel often comes from not only to control risks, but also improve work efficiency, that is,: good killing projects, not leaking and killing projects, and at the same time, it cannot delay business timing. At this time, it is possible to be under pressure from the business department. How to find a balance between business development and risk management, and how to adhere to the professional judgment of risk control under pressure is a good risk controller to consider. Relatively speaking, the risk control personnel of such enterprises are under greater pressure and their ability to improve faster.
The traditional finance and Internet finance are facing continuous development and iteration challenges, which allows risk control personnel to maintain a strong learning ability and curiosity. . Professional development direction In most financial institutions, the promotion of career promotion of risk control positions often leads to the chief risk officer, which may eventually become the vice president of the bank, or the vice president of other financial institutions Manager is mainly to focus on risk management and control. 5. Salary status In statistical data, during the salary increase of various functional departments in the financial industry, although the central and background departments still do not have 15%high in the front platform department, about 5%to 10% However, the risk control is relatively high among other functional departments in the middle and backstage. The reason why there is such an advantageous salary is mainly due to two main reasons. One of the reasons is insufficient talent storage. Many people have not recognized the importance of risk control in the past, so everyone is not willing to join the industry. On the other hand, this is another job that requires professional skills, so there are not many practitioners as a whole. The second reason is that the development of Internet finance in the past two years is very rapid, and the emergence of large and small P2P platforms has spawned the needs of risk control talents. In addition, banks, insurance, futures, credit, small loans, small loans, PE, and VCs have great demand for risk control talents, so such talents have gaps. The talent competition between these companies has also pulled the income of risk control personnel to a relatively high position.
In specific industries, the average increase in salary of banking risk control is between 5%and 10%; the insurance industry is relatively stable because the insurance industry circle is narrow, the risk control flow rate is small, the salary is salary, the salary is salary The increase is not large. The increase in the salary of Chinese -funded foreign risk control in the securities fund industry is very different, so it is impossible to get a clear reference standard. Most of the risk control personnel in the P2P industry are from banks or industry. In the process of hopping, their salary will get a relatively large increase, with a growth rate of 30%to 50%.
In regional perspective, the needs of risk control personnel are mainly concentrated in first -tier cities. Although the demand for second- and third -tier cities is large, the salary is low.
The first -tier cities have 5 years to 10 years of experience. The average annual salary of bank risk control personnel is between 300,000 and 600,000 yuan; the insurance industry has more than 10 years of work experience in risk control. It is 700,000 yuan and 600,000 yuan in local enterprises; the annual salary of risk control managers with 5 to 8 years of work experience in the securities fund industry generally spends between 300,000 and 800,000 yuan
1. The risk prevention and control needs to be implemented in each link, strictly review before loan, and avoid fraud risk to the greatest extent; 2, effective monitoring in the loan, real -time monitoring and tracking of the repayment status to avoid post -loan risk; r; r; r; r; r; r; r; r; n3, follow -up management after loan, and respond to overdue by reminding repayment, professional collection and related legal means. 4, the risk information network of the Fa Fa is widely used in business links such as customer access, credit assessment, post -loan management, arrears collection, etc. Therefore risk.
Risk control is not a new profession, but its development momentum has become better and better in recent years. It has become a tight career in the field of traditional finance or Internet finance. This is related to the diversification of the financial field in recent years, and users have become more and more concerned about risk control.
Generally speaking, the work involved in risk control positions includes business review (the review before the business occurs, the review is usually not approved, the business cannot be implemented), risk monitoring Wait) and comprehensive business management (statistical analysis of data, etc.).
. Work content (within the bank, insurance, trust, futures, P2P Internet financial platform, the work of risk control is not the same.)
1. For other types of financial institutions, banks' risk management departments are more mature. The "Basel Committee" established a clear risk management standard for global commercial banks in the "Basel" in July 1988 and determined which types of risks of management. In particular, it is very clear about how to control credit risks, market risks, and operating risks.
The loan business is the first type of business in bank risk control. The central risk control department often starts to enter the risk review when customer reading loan rules. See if the personal risk assessment of the loan object meets the requirements, the business after risk assessment will be submitted to the higher management office for approval - that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, that is, The work of risk control exists during the transaction.
This of bank risk control has also become the mother's originality of many financial institutions. For example, the insurance industry is mostly referred to the bank.
2. Futures, trusts, small loans, and financial leasing companies
From the perspective of risk management, futures, trusts, microfinances, and financial leasing companies are relatively new types. Their risk management focuses on risk, focusing on credit risk, operating risks, market risks, trading risks, and so on.
In emerging places in these industries are also reflected in the complex and innovative needs of business. For example, trust, real estate as a trust product and a car as a trust product. To some extent, each project needs to develop a set of innovative financial products. When an innovative product comes out, can this product become a fund or a certain product to push to the market, and their risk management department will be reviewed. In this case, the risk management department needs to determine whether the risk of this new product is controllable? How big is the risk control? In case of a problem, the project collapses, and when the savings or investors come to ask for money from the company, how much is the pressure on the funding of rigid payments? How much possibilities are possible, this project may not be able to collect money?
The risk management department is very important for the approval of new products. If the risk management department or the risk management committee does not approve it, this new business may really be dropped. This is a very powerful department.
3. Online personal credit (P2P)
Compared with the traditional financial field, P2P is still in the initial stage, so risk management may not be perfect. When some companies do such financial products, they may start management risks just from dug one or two people from financial companies. Their risk management is mainly concentrated in credit risk review.
. Job requirements (On traditional finance or Internet finance, risk control can be regarded as a job with high hard skills requirements, but according to the different work content, the requirements of the company are different.)
In traditional financial fields and P2P, the knowledge and experience of the financial industry are important.
For graduates, although most financial institutions and enterprises are holding a concept of "it is white paper anyway, I can use our system to cultivate" Professional certificates such as FRM Financial Risk Manager and CFA Chartered Financial Analysts will be more competitive.
For social recruitment, risk control talents mainly come from two channels, one is to find someone from other similar institutions; People often have some external service experience for financial enterprises for approval or corporate risk control.
. Work status and challenges
The risk control of different types of financial institutions and enterprises due to their different functions, and the working status will be different.
usually, the risk control departments of some large banks due to their stable business, large scale, and sufficient personnel. Therefore, the work load is small and belongs to departments with less work pressure in the industry. However, the risk control functions of some multinational banks are often concentrated in foreign headquarters or regional centers. China's risk control department plays more roles in execution. Personal ability reflection and growth space will be limited.
In some large financial institutions, the focus of risk control is how to transform the leadership's risk preferences into reasonable risk control work indicators and highlight its own value.
It small and medium -sized financial enterprises, as well as risk control of non -bank financial institutions. Due to the complex business type, high innovation, and large change, risk control personnel who were not enough often needed to bear greater greater ones. Workload. The functional pressure of such risk control personnel often comes from not only to control risks, but also improve work efficiency, that is,: good killing projects, not leaking and killing projects, and at the same time, it cannot delay business timing. At this time, it is possible to be under pressure from the business department. How to find a balance between business development and risk management, and how to adhere to the professional judgment of risk control under pressure is a good risk controller to consider. Relatively speaking, the risk control personnel of such enterprises are under greater pressure and their ability to improve faster.
The traditional finance and Internet finance are facing continuous development and iteration challenges, which allows risk control personnel to maintain a strong learning ability and curiosity.
. Professional development direction
In most financial institutions, the promotion of career promotion of risk control positions often leads to the chief risk officer, which may eventually become the vice president of the bank, or the vice president of other financial institutions Manager is mainly to focus on risk management and control.
5. Salary status
In statistical data, during the salary increase of various functional departments in the financial industry, although the central and background departments still do not have 15%high in the front platform department, about 5%to 10% However, the risk control is relatively high among other functional departments in the middle and backstage.
The reason why there is such an advantageous salary is mainly due to two main reasons. One of the reasons is insufficient talent storage. Many people have not recognized the importance of risk control in the past, so everyone is not willing to join the industry. On the other hand, this is another job that requires professional skills, so there are not many practitioners as a whole. The second reason is that the development of Internet finance in the past two years is very rapid, and the emergence of large and small P2P platforms has spawned the needs of risk control talents. In addition, banks, insurance, futures, credit, small loans, small loans, PE, and VCs have great demand for risk control talents, so such talents have gaps. The talent competition between these companies has also pulled the income of risk control personnel to a relatively high position.
In specific industries, the average increase in salary of banking risk control is between 5%and 10%; the insurance industry is relatively stable because the insurance industry circle is narrow, the risk control flow rate is small, the salary is salary, the salary is salary The increase is not large. The increase in the salary of Chinese -funded foreign risk control in the securities fund industry is very different, so it is impossible to get a clear reference standard. Most of the risk control personnel in the P2P industry are from banks or industry. In the process of hopping, their salary will get a relatively large increase, with a growth rate of 30%to 50%.
In regional perspective, the needs of risk control personnel are mainly concentrated in first -tier cities. Although the demand for second- and third -tier cities is large, the salary is low.
The first -tier cities have 5 years to 10 years of experience. The average annual salary of bank risk control personnel is between 300,000 and 600,000 yuan; the insurance industry has more than 10 years of work experience in risk control. It is 700,000 yuan and 600,000 yuan in local enterprises; the annual salary of risk control managers with 5 to 8 years of work experience in the securities fund industry generally spends between 300,000 and 800,000 yuan
1. The risk prevention and control needs to be implemented in each link, strictly review before loan, and avoid fraud risk to the greatest extent;
2, effective monitoring in the loan, real -time monitoring and tracking of the repayment status to avoid post -loan risk; r; r; r; r; r; r; r; r; n3, follow -up management after loan, and respond to overdue by reminding repayment, professional collection and related legal means.
4, the risk information network of the Fa Fa is widely used in business links such as customer access, credit assessment, post -loan management, arrears collection, etc. Therefore risk.
There are many risk control online.