【作者】 王军；

【导师】 鲍玉昆；

【作者基本信息】 华中科技大学 ， 工商管理， 2018， 硕士

【摘要】 信托业已发展成为中国金融业的重要支柱之一,2018年第二季度的资产管理规模有24.27万亿元,紧跟银行稳居第二。2017年以来,金融行业监管呈上升趋势,随着金融去杠杆的逐渐深入,信托行业在经营上要承受很大的压力,信托公司只有转型升级形成核心竞争力才会避免淘汰出局。随着综合金融业务发展趋势的到来,大数据、人工智能、区块链等为代表的科学技术与金融产业逐渐融合,既有效改变了传统金融服务的模式,同时也塑造了新的经营管理和风险管理模式。本文主要研究P公司当前风险管理面临的问题,深度分析并且提出解决方法。首先,指出P公司风险管理的模式和流程中存在的主要问题。其次,结合P公司风险管理的实际运作情况,提供针对性的有效优化方案:针对数据收集耗时长,市场分析低效,项目评审人员素质高低不一、整体把控度不高等问题,通过信息化、系统化思路解决;针对风险评估维度欠缺,项目动态评估困难问题,通过大数据、人工智能这些科学技术解决。优化方案实施后,风险管理流程时效大幅缩短,风险管理条线人效明显提高,项目风险评估准确性平均提高10%,风险管理决策更加科学。相信风险管理系统经过一到两年的持续优化,再向外输出风险管理能力,会成为P公司的新的利润增长点。更多还原

【Abstract】 The trust industry has developed into one of the important pillars of China’s financial industry.In the second quarter of 2018,the asset management scale was 24.27 trillion yuan,which closely followed the bank’s second place.Since 2017,the supervision of the financial industry has been on the rise.With the gradual deepening of financial de-leveraging,the trust industry has to bear a lot of pressure on its operations.Trust companies can only avoid the elimination of the core competitiveness if they are transformed and upgraded.With the advent of the development trend of integrated financial services,the science and technology and financial industries represented by big data,artificial intelligence,blockchain,etc.are gradually integrating,not only gradually changing the traditional financial service methods,but also reshaping the business model of financial enterprises and Risk management format.This paper mainly studies the problems faced by P company in current risk management,deeply analyzes and proposes solutions.First,it points out the main problems in the mode and process of P company risk management.Secondly,combined with the actual operation of P company risk management,provide targeted and effective optimization programs: for data collection,long-term,inefficient market analysis,high quality of project reviewers,and low overall control,through informationization Systematic thinking and solution;for the lack of risk assessment dimension,project dynamic assessment of difficult problems,through the use of big data,artificial intelligence and other scientific and technological solutions.After the implementation of the optimization plan,the timeliness of the risk management process was greatly shortened,the humanity of the risk management line was significantly improved,the accuracy of project risk assessment was increased by 10% on average,and the risk management decision was more scientific.It is believed that the risk management system will continue to optimize after one to two years,and then export the risk management capability,which will become the new profit growth point of P company.更多还原