Bank risk control refers to the risk control of banks. From a lending perspective, bank risk control simply refers to banks establishing user analysis based on data models to reduce economic losses caused by overdue loans. Whether it is during loan audit or after loan collection, it is a manifestation of bank risk control. Different institutions have different risk control models.

Methods of risk control

1. Risk aversion: Risk aversion means that investors stop risky behaviors based on their judgment and completely avoid the risk of specific losses. Simple risk aversion is the least proactive way to deal with risk, because investors often give up potential target returns;

2. Loss control: Loss control is not just about stopping risky behavior, but through actual behavior and measures to reduce actual losses. The control stage includes three stages: before, during and after. The main purpose is to reduce the possibility of losses. Control during and after the event is mainly to reduce actual losses;

3. Risk transfer: Risk transfer refers to The act of transferring the transferor's risks to the transferee; the main forms of risk transfer are contracts and insurance;

4. Risk retention: Risk retention is risk assumption. In other words, if a loss occurs, the economic entity will pay it out of whatever funds are available at the time.