Business philosophy: the risk control of the management of credit management risk taking into account the benefits
Business credit: credit, financial services provided by each of the services are credit, credit, financial management products are credit, financial services business, the result is to provide customers with a copy of the company's guarantee, or the company's guarantee, the carrier is a direct credit and indirect credit, customers are willing to buy the credit, because customers or customers of the other party (Beneficiary) believe in financial.
Management risks: the security industry for the customer guarantee, certainly there is a risk, especially for customers in the beneficiary is to resolve and reduce the risk, it is proposed to finance the customer credit enhancement. Guarantee risk guarantee mechanism requires unison through recognizing and Le finance service always moment and risk associated with together, unison pass not afraid of risk, because risk is no guarantee, it is due to the presence of probabilistic risk, only existed in unison through where the guarantee industry space, but unison to have the consciousness of risk management, the existence of risk of large projects, especially procurement projects, commercial projects, enterprise credit problems to err on the side of caution, to high risk project, be sure to charge and risk matching, and to achieve before the project insurance, insurance and insurance supervision.
Control risk: at the same time, the risk of financial management must control risk, the risk of a large project, require customers to provide credit guarantees, margin guarantees, collateral and pledge collateral, in the emergence of risk, to strengthen and customers, beneficiaries and other stakeholders of communication and coordination, in communication and coordination can not effectively solve the risk, to actively prepare to respond, start legal proceedings, and strive to reduce and eliminate losses.
Both benefit: unison in business risk, management risk and control risk at the same time, and strive to achieve the balance of risk and benefit, in the comprehensive consideration of the enterprise, project situation, financial situation and other factors, to ensure that the risks are under effective control, the pursuit of corporate efficiency, employee benefits, the bank efficiency and the benefit of shareholders, unison links must be bold but cautious, bold means unison don't afraid of risk, cautious requirements unison to good control risk or even eliminate the risk, on the basis of create considerable economic benefit and social benefit.