The content of risk mainly includes three parts. First, the evolution of risk management and control. The second is the new situation of current risk management and control. Third, how to effectively manage risks.
Evolution of risk management and control
How to judge whether risk management is good or bad? When we went through the last cycle, our creditor's rights were expected to reach more than two billion yuan, which should be the peak of history. We believe that these five aspects need to be considered in order to do a good job in risk management and control. 1、 High down payment. The down payment should be improved as much as possible; 2、 Short accounting period. The accounting period should be as short as possible; 3、 Low overdue. The overdue rate should be kept low; 4、 Re believe and review. Pay attention to the letter review of authorization; 5、 Strong control. Strong control means in the management process.
However, after years of development, we found that we might fall into the contradiction of binary opposition of linear thinking. Because in the process of practice, we found that many customers, especially large customers and strategic customers, did not pay high down payment, and the payment period may be long, but it has no risk and is not overdue. Therefore, if we look at the above aspects alone, we cannot completely judge the risks involved. The down payment is not positively related to the length of the accounting period and the risks.
However, if the credit audit process is purely formalistic, it may be useless in the practical process even if you pay more attention to it and standardize the system and process. I define strong control as suicidal strong control. That is to say, once a customer has a risk, we will use violent means, nothing more than locking the car, trailer, litigation and other results. In fact, this is to give up the customer, which can only make our relationship with the customer go further and further. Therefore, we believe that the risk management and control measures of an enterprise at different stages of development should be determined according to the enterprise's business strategy.
In the process of formulating the system, we should ensure the intensity of our implementation and pay attention to the temperature of implementation. Therefore, changes in a single indicator cannot be used as a basis for evaluating the quality of risk management and control. This is the risk management and control part.
What is risk control? The final thinking makes decisions on the current choices, maximizes the management of the uncertainty in the business process, and serves to achieve the business objectives of the enterprise.
After going through the last cycle, we found that risk management and control had undergone five changes.
First, the change from blindly pursuing sales to pursuing operation quality; Second, change from local to overall. The traditional risk management and control emphasizes the management and control of the after-sales payment risk, which is not involved in the pre-sale, so now it is transformed from the pre-sale to the comprehensive overall risk management and control of pre-sale, in sale and after-sales. The third is the transformation from violence to good prosecution. From the private relief of violent trailer to the public relief by means of law.
Fourth, change from bulls to monopoly. From multiple and decentralized data, it has become a unified risk control management department.
Fifth, the transition from offline to online. A table of data becomes a real-time online data. We monitor the operation of customers' equipment 24 hours a day, and have a comprehensive understanding of customers' operations.
The current risk control situation has gone from boom to bust. The niche of each brand has changed dramatically; In addition, the epidemic situation has normalized, the economic environment is expected to weaken, the income of residents has declined, and consumer demand is insufficient.
New situation of current risk control
First, the industrial chain dimension. Such as real estate, infrastructure construction, mining engineering industry. With the thunderstorm of the real estate last year, the construction of infrastructure has carried the banner of ensuring the economy for the people's livelihood, but the mining sector is particularly affected by national policies. Each factor is like a chemical reagent, and different proportions produce different results. The transmission of the industrial chain to the construction machinery industry lags behind.
Secondly, the internal dimension of the industry. Price reduction of new machines accelerates insolvency; The decline of the lease price affects the customer's income; Irregular repayment brings insolvency risks. There are 11 kinds of repayment methods, including saving, quarterly payment and annual payment; The overall economic environment has declined in the weakening market, resulting in a reduction in debt repayment rate; The influx of a large number of equipment intensifies the vicious competition; Finally, the low operating rate and insufficient effective working hours led to the failure of customers' income to cover the monthly supply and increased debt risk.
How to effectively manage risks
First of all, it is necessary to improve the cognitive level of risk control management and realize the transformation from zero sum game to positive sum game. The concept of traditional risk management and control: lock the vehicle, trailer, and litigation. In the last cycle, more locking and towing were used and less litigation was used. From the data point of view, it has been declining, but in fact, there are a lot of bad debts in the warehouse. Although the equipment is revitalized, the expectation is down, but who will bear the losses after the equipment is revitalized? The bad debts in the warehouse are considerable if they are pulled out.
Therefore, we need to change our concept of risk management and control, and take clearing accounts rather than bad debts as the goal. It is not just a conventional management and control method, but actually a state where you lose and you win. After deep thinking, payment for goods is the data asset of enterprises, and we can fully empower customers with financial means.
We are also doing some mortgage financing. There are two kinds of mortgage financing, one is close to the society. Another is to use some financial institutions or platforms to first settle the payment for goods and release the mortgage, and then use the equipment to mortgage the institutions and platforms. This is unsecured. This completely solves the business risk of the enterprise, and at the same time, empowers customers. It is possible that the equipment may be revitalized through this risk resolution method.
There is also revolving loan, which is small in amount, short in cycle and controllable in risk. We can also use our own resource rental and sales platform to help customers realize in a timely and rapid manner. Realize the transfer of risks and the goal of clearing accounts.
Affected by the general environment, a large number of financial institutions, especially financial leasing companies, entered the construction machinery industry, and the demand for revolving loans and mortgage financing business of stock equipment increased sharply; The unsecured asset management business in the industry has the potential to start a prairie fire. To do a good job in asset operation can not only control risks but also broaden the income sources of enterprises.
Risk control ability is also the core competitiveness of enterprises, and can also make profits for enterprises. Like the aftermarket of services, this is also the aftermarket of our risk management, which is huge in size and demand. Through this financial means, we can eliminate the risks, maintain the customers who settle the equipment, and broaden the source of income.
As the manager of risk management and control, we should stick to the bottom line of risk and play three roles. Do a good job of upgrading the goalie. Involve in the whole process from business opportunities to delivery to payment management, and then to file management, sort out risk points, and conduct all-round control over customers.
Do a good job of technology empowerment whistler. By means of science and technology, the data and equipment are kept online, and then the accumulation of these data is used to make some in-depth analysis, make scientific decisions, find some risk points in a timely and effective manner, and eliminate them.
Be the terminator of means upgrading. Innovate asset management, take precautions and follow the trend. When the risk comes, we should make a decisive decision, take the initiative and stop the loss quickly. To do this is to end all risk problems in the hands of creditors, instead of turning into bad debts locked in the warehouse.
