A. What is included in the customer risk warning? How to monitor?

Customer risk early warning refers to the early warning signals of loan risks found through post-credit checks (including on-site and off-site inspections), the use of a combination of quantitative and qualitative analysis, the early identification of trends in risk exhibits and the adoption of targeted processing measures for problematic loans in accordance with the prescribed authority and procedures. Risk early warning includes risk early warning for industries, regions and customers. So what does customer risk early warning include? How to monitor it? With me

Customer risk early warning includes the content of sh customer risk early warning

1, industry, including industry environmental risks, risks and so on.

Industry environmental risk factors mainly include macroeconomic cycles, fiscal and monetary policies, industrial policies, laws and regulations and external shocks.

Industry business risk factors mainly include market supply and demand, industry maturity, the degree of industry monopoly, industry dependence, product substitutability, and the business status of industry competitors.

Industry financial risk factors include key indicators such as return on net assets, industry profit-and-loss coefficient, capital goods sales rate, and full labor productivity.

2. Significant changes in the region, deterioration of the regional operating environment and the decline in the level of regional internal management, deterioration of the quality of regional credit assets.

Second, the monitoring of customer risk early warning

1, customer financial risk

From the collection of financial information, now the early financial warning signals:

(1) current liabilities or long

(2) higher ratio of liabilities to owners' equity.

(3) Significant changes in balance sheet structure.

(4) Unqualified audits.

(5) Evidence showing obsolete inventories, large inventories, or inappropriate inventory mix.

(6) A decline in the proportion of current assets in total assets or a sharp change in the mix of assets.

(7) A significant decrease in the current ratio or quick ratio.

(8) A

(9) A large increase in reserves for fixed assets.

(11) No

(12) Deterioration in a customer's cash flow position.

(13) A sharp increase in the amount or rate of accounts receivable or collection

(14) A slowdown in inventory turnover.

(10) Too high a proportion of intangible assets.

(15) Changes in accountants.

(16) Declining or rapidly increasing sales.

(17) Gross sales revenues vs.

(18) Increasing costs and either diminishing margins or rising operating losses.

(19) Disproportionate growth in day-to-day expenses relative to sales.

(20) Declining return on total assets or total asset turnover.

(21) Heavy reliance on short-term liabilities.

(22) Significant changes in the timing of seasonal loan applications.

(23) Sharp changes in the size or frequency of loan applications.

(24) Declining bank balances.

(25) Excessive or unforeseen note extensions.

(26) Poor financial planning for fixed or current asset needs.

(27) Whether the customer can repay the loan on maturity and in full is the focus of the bank's risk monitoring, and in the monitoring of the customer's financial risk, the customer's long-term and short-term solvency should be highly concerned.

2. Monitoring of customers' non-financial risks

Among the non-financial information collected, close attention should be paid to the early non-financial warning signals appearing in customers:

(1) Excessive growth beyond the company's management and control limits.

(2) Labor problems at the company.

(3) A change in the nature of the company's business.

(4) Inefficient plant and equipment layout.

(5) Failure to realize established schedules.

(6) Demonstrated incompetence in planning.

(7) Lack of systematic and continuous organization of functions.

(8) Risky involvement in speculative activities such as corporate mergers and acquisitions, investment in new projects, development of new regions, or start-up of production lines.

(9) Being slow in responding to depressed markets or recessionary economic conditions.

(10) Lack of visible management continuity.

(11) Changes in executive behavior and personal habits.

(12) Problems in the executive's marriage.

(13) The executive did not fulfill his personal obligations.

(14) Key personnel changes.

(15) Loss of key product lines, licenses, distribution rights, or sources of supply.

(16) Loss of one or more large, financially strong customers.

(17) Poor plant and equipment maintenance.

(18) Failure to modernize or eliminate obsolete or inefficient plant and equipment in a timely manner.

(19) Risk information from other financial institutions.

(20) An insurance company issued a policy cancellation letter to a customer due to non-payment of premium.

(21) Judgment issued by a judicial body against a client.

II. Key elements of customer risk identification?

In risk management, the main elements of risk identification are the following: 1. Purchase risk for the transaction. Once one or more of the risk conditions occur, the insurance company to assume the risk, so that loss control can be achieved through a smaller cost. In practice, insurance consists of property insurance, unauthorized transaction insurance, directors and officers liability insurance, bank package insurance, and other types of insurance.2. Enhancement of monitoring activities. Use big data to dynamically monitor changes in loans, replacing the current quarterly testing with monthly testing, and realizing early exit through early warning. Commercial bank personnel have a strong sense of risk control and risk detection, but still need to achieve mastery of certain methods and techniques. The following conditions should be dealt with as soon as they occur: poor customer contact, non-provision of information on statements and taxes, transfer of basic accounts, unusual cash flows, and poor external evaluations. From the level of early warning signals, there are commercial bank staff to effectively deal with various situations, and attention should be paid to the level of risk warning signals.3. Use of credit derivative products to control risk. Credit derivative products include comprehensive structured products, credit spread options, credit spread products, total return swaps, credit default swaps, these products are able to spread the risk, the concentration of credit risk is reduced, to enhance the stability of the banking system has a very important significance and value.

Third, what are the main contents of risk warning?

Enterprise risk early warning system mainly includes three subsystems, namely, risk identification subsystem, risk evaluation subsystem and risk warning subsystem. The key to the risk identification subsystem is to establish a systematic view of risk identification and analysis. The methods usually used are verification table, WBS, cause and effect analysis diagram, and flow chart. The risk evaluation subsystem is to quantify and evaluate the importance of the identified risk factors, and then to determine whether an alert should be issued and the level of the alert through the early warning subsystem.

Four, customer risk warning includes what content? How to monitor?

Customer risk early warning refers to the early warning signals of loan risks found through post-loan inspections (including on-site and off-site inspections), the use of a combination of quantitative and qualitative analysis, the early identification of the type of risk, the degree, the causes of the risk and its development and change trends, and in accordance with the prescribed authority and procedures for the issue of the loan to take targeted measures to deal with the problem. Risk early warning includes risk early warning for industries, regions and customers. So what does customer risk early warning include? How to monitor it? Come with me to see it!

Customer risk warning includes what content? How to monitor? First, the content of customer risk warning 1, industry, including industry environmental risk, industry business risk, industry financial risk.

Industry environmental risk factors mainly include macroeconomic cycles, fiscal and monetary policies, industrial policies, laws and regulations and external shocks.

Industry operation risk factors mainly include market supply and demand, industry maturity, industry monopoly, industry dependence, product substitutability, industry competitors' operation, and the overall financial situation of the industry.

Industry financial risk factors include key indicators such as return on net assets, industry profit and loss coefficient, capital accumulation rate, sales profit margin, product sales rate and full labor productivity.

2. Regional aspects include significant changes in regional policies and regulations, deterioration of the regional operating environment and decline in the level of internal management of the region, and deterioration in the quality of regional credit assets.

Two, the monitoring of customer risk early warning 1, the monitoring of customer financial risk

From the collection of financial information, risk managers should pay close attention to the early financial warning signals appearing in the enterprise:

(1) abnormal increase in current liabilities or long-term liabilities.

(2) Higher debt-to-equity ratios.

(3) Significant changes in balance sheet structure.

(4) Unqualified audits.

(5) Evidence showing obsolete inventory, large amounts of inventory, or inappropriate inventory mix.

(6) A decline in the proportion of current assets in total assets or a sharp change in the mix of assets.

(7) A significant decrease in the current or quick ratio.

(8) A dramatic change in fixed assets.

(9) A large increase in reserves.

(11) Failure to receive financial statements on time.

(12) Deterioration in the cash flow position of customers.

(13) A sharp increase in the amount or rate of accounts receivable or a significant slowdown in the collection process.

(14) A slowdown in inventory turnover.

(10) Too high a proportion of intangible assets.

(15) Changes in accountants.

(16) Decreasing or rapidly increasing sales.

(17) A large difference between gross sales revenue and net sales revenue.

(18) Increasing costs as well as diminishing profit margins or rising operating losses.

(19) Disproportionate increase in daily expenses relative to sales.

(20) Declining total return on assets or total asset turnover.

(21) Heavy reliance on short-term liabilities.

(22) Significant changes in the timing of seasonal loan applications.

(23) Sharp changes in the size or frequency of loan applications.

(24) Declining bank balance.

(25) Excessive or unforeseen extensions of notes.

(26) Poor financial planning for fixed or current asset needs.

(27) Whether the customer can repay the loan on maturity and in full is the focus of the bank's risk monitoring, and in the monitoring of the customer's financial risk, the customer's long-term and short-term solvency should be highly concerned.

2. Monitoring of customers' non-financial risks

In the non-financial information collected, close attention should be paid to the early non-financial warning signals appearing in the customers:

(1) Excessive growth beyond the company's management and control limits.

(2) Labor problems at the company.

(3) A change in the nature of the company's business.

(4) Inefficient plant and equipment layout.

(5) Failure to realize established arrangements in the schedule.

(6) Demonstrated incompetence in planning.

(7) Lack of systematic and continuous organization of functions.

(8) Risky involvement in speculative activities such as corporate mergers and acquisitions, investment in new projects, development of new regions, or start-up of production lines.

(9) Being slow to react in response to sluggish markets or recessionary economic conditions.

(10) Lack of visible management continuity.

(11) Changes in the behavioral style and personal habits of executives.

(12) Problems in the executive's marriage.

(13) The executive has failed to fulfill his personal obligations.

(14) Key personnel changes.

(15) Loss of key product lines, franchises, distribution rights, or sources of supply.

(16) Loss of one or more major customers in good financial standing.

(17) Poor plant and equipment maintenance.

(18) Failure to upgrade or eliminate obsolete or inefficient plant and equipment in a timely manner.

(19) Risk information from other financial institutions.

(20) An insurance company has issued a policy cancellation letter to a customer due to non-payment of premiums.

(21) A judicial body issues a judgment against a client.