The Pformation And Upgrading Of The Red Bean Group Has Become A Necessary Way For The Development Of China'S Private Enterprises.

The economic opportunities and opportunities for urbanization, the group's opportunity to build "100 billion red beans", adheres to the word "steady", and pays equal attention to efficiency and safety, has made remarkable achievements in the evaluation of the situation and steady operation, and has formed a diversified profit growth mechanism. At the same time, the company's governance structure is reasonable, and the modern enterprise system of "three checks and balances" has been perfected. The company's operation compliance has been stable and better handled the contradiction between business risk and enterprise growth; the interests of employees have been well protected, and the income of employees has increased; the allocation of human resources has been optimized, and the success of talent introduction has injected new blood into the development of financial companies; corporate social responsibility has been strengthened and refined, and the industry's reputation and social image are good. < p > 2013 is a year full of opportunities for development of red bean group finance Limited (hereinafter referred to as "red bean finance"). In the face of the political opportunities for the country to expand its reform and opening up, financial deepening and financial freedom

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< p > corporate governance standardization < /p >

< p >, as one of the first private financial companies, the red bean finance has been adhering to the group's steadfast and steadfast style and has placed an important position in corporate governance and compliance management.

Through four years' efforts, the company has established a perfect corporate governance structure and established and perfected the modern enterprise system.

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< p > the company strengthens the sense of obedience to financial supervision and voluntarily accepts financial supervision.

We should control the scale of credit in line with the requirements of the people's Bank of China.

In accordance with the regulatory requirements of the banking regulatory bureau, timely feedback on operation and compliance should be done, and the filling and reporting work of daily off-site regulatory reports should be done well, so as to timely report and accurate data.

To report and consult more questions and new situations in the course of business development, and get guidance and guidance from regulatory authorities.

At the same time, we should strengthen the understanding and rectification of the inspection opinions of the higher authorities, maintain close ties with the supervisory departments at higher levels, listen to suggestions with open mind, and constantly improve and improve them.

In the past four years, the company has been fully affirmed by the regulatory authorities, and has maintained a good reputation in its regional counterparts.

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< p > risk management comprehensive < /p >

In the past four years, red bean has strictly controlled and prevented financial risks by integrating the risk control process into all aspects of organizational governance, ensuring the "three noes" and pushing the overall risk management level of the company to a new height in the past P years.

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< p > first, we should constantly improve the system and process, revise the original system according to the business development, and formulate a new system according to the new business and new situations.

For example, according to the needs of business development, the "credit business approval system" and "accounting method" have been revised.

On the other hand, we should draw up new systems according to new business and new situations, such as the new management method of comprehensive credit management of Hong Kong Group Finance Co., Ltd. and the "red bean group finance limited company customer credit rating pilot scheme" and so on.

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< p > second is to strengthen compliance and operational risk management.

We must strictly implement the requirements of regulatory risk management and the relevant provisions of the company's risk management system, conscientiously carry out departmental responsibilities, adhere to prudent principles, and make independent and objective risk assessment.

We must continue to push forward risk management on the basis of compliance.

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< p > the company should give full play to the role of the internal audit department, and strive to enhance its independence and effectiveness, and "zero tolerance" for violations.

At the same time, we should pay attention to the audit of compliance and post supervision restrictions in business operations, and eliminate operational risks.

Pay attention to staff training and promotion, and fundamentally prevent and control case risks.

At the same time, the long-term mechanism, incentive mechanism, regulatory mechanism and moral construction should be well handled to ensure the goal of "three no": no major mistakes, no bad loans and no cases.

In the four consecutive years of risk rating, the company has obtained a good level of annual risk assessment.

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< p > talent management specialization < /p >

< p > the company has greatly enhanced the overall quality of the talent team through the training of internal talents and the introduction of external talents, and the degree of knowledge specialization has been significantly improved.

In recent years, the company has introduced a group of financial professionals to the company's business departments and risk management departments.

With the introduction of professional talents, the company relies on the resource platform of the industry association and the red bean university to train the existing staff.

In 2012, the company conducted 356 training sessions throughout the year, reaching 1274 of the total time.

At the same time, the company adopts the way of "going out" and "bringing in" to provide learning opportunities for the company's employees and group financial personnel.

The company organizes learning activities to excellent peers.

For example, centralized management of bills and budget management practices and experience have been extended to the group.

The company also invites bank personnel with rich experience to identify, effectively and discounted the bill, organize the knowledge and risk prevention of new bills.

All of these have greatly enhanced the professionalization of staff knowledge.

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< p > refining the internal strength and looking forward to the future. At present, pformation and upgrading has become a necessary way for the development of China's private enterprises. As a "escort" for the development of the group, the red bean finance is not only from the existing financial company's business, but also stands higher and further. It adheres to the service tenet of "group based, group based, service group and growing group", and provides targeted financial support for the pformation and upgrading of the group's strategy.

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