Legal analysis: Five major measures for risk management and control:

①Risk avoidance is a decision to consciously avoid a specific risk.

② Risk suppression refers to taking various measures to reduce the probability of risk realization and the extent of economic losses. Such action may be taken before, during or after the loss occurs.

③Risk retention means that those exposed to risks bear the risks themselves and use their own property to make up for losses.

④Risk diversification refers to diversifying investment risks through the diversification of investment portfolios. The principle is to minimize the overall risk and maximize the return.

⑤ Risk transfer means that the risk bearer transfers the risk to others through a number of economic and technical means. Such as selling risky assets to others or purchasing insurance. Legal basis: Article 31 of the "People's Bank of China Law" The People's Bank of China monitors the operation of the financial market in accordance with the law, implements macro-control of the financial market, and promotes its coordinated development.

Article 32 The People's Bank of China has the right to inspect and supervise the following behaviors of financial institutions and other units and individuals: (1) Implementation of relevant regulations on deposit reserve management; (2) Cooperation with China Acts related to the special loans of the People's Bank of China; (3) Acts of implementing relevant regulations on RMB management; (4) Acts of implementing relevant regulations on inter-bank lending market and inter-bank bond market management; (5) Acts of implementing relevant regulations on foreign exchange management; (6) Acts of implementing relevant gold management regulations; (7) Acts of managing the treasury on behalf of the People's Bank of China; (8) Acts of implementing relevant liquidation management regulations; (9) Acts of implementing relevant anti-money laundering regulations. The "special loans of the People's Bank of China" as mentioned in the preceding paragraph refer to loans issued by the People's Bank of China to financial institutions for specific purposes as determined by the State Council.

Article 33 The People's Bank of China may, based on the needs of implementing monetary policies and maintaining financial stability, recommend that the banking regulatory agency of the State Council conduct inspections and supervision of banking financial institutions. The banking regulatory authority of the State Council shall respond within thirty days from the date of receipt of the suggestion.

Article 34 When banking financial institutions encounter payment difficulties that may cause financial risks, in order to maintain financial stability, the People's Bank of China, with the approval of the State Council, has the right to inspect and supervise banking financial institutions.

Article 35 The People's Bank of China has the right to require banking financial institutions to submit necessary balance sheets, income statements and other financial accounting and statistical statements and materials based on the need to perform its duties. The People's Bank of China shall establish a supervision and management information sharing mechanism with the banking regulatory agency of the State Council and other financial regulatory agencies of the State Council. Article 37 The People's Bank of China shall establish and improve the audit and inspection system of its own system and strengthen internal supervision and management.