Credit Risk Management Research of Y Group Finance Co., LTD

Boling Deng; Yuan Tang

doi:10.6981/FEM.202504_6(4).0015

Authors

Boling Deng
Yuan Tang

DOI:

https://doi.org/10.6981/FEM.202504_6(4).0015

Keywords:

Group Finance Company; Credit Business; Risk Management.

Abstract

In recent years, with the growing prominence of group finance companies in the financial system, research on credit risk management for these companies has also gained increasing attention. Credit risk management runs throughout the entire credit business process, and its management level is influenced by various factors such as systems and personnel. This paper takes Y Group Finance Co., Ltd. as an example, analyzing the shortcomings in its pre-loan, mid-loan, and post-loan management processes. It identifies four main reasons: inadequate credit business process management, unreasonable compensation and job placement for credit staff, the need to improve the professional competence of credit personnel, and insufficient application of information technology. The paper also proposes optimization suggestions for these four areas, aiming to enhance the credit risk management capabilities of Y Group Finance Co., Ltd. and provide insights for similar enterprises in credit risk management.

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