Operational risk quantitative method and system for small loan companies

Abstract

The invention discloses an operational risk quantitative method and system for small loan companies, and relates to the field of operational risk quantitation. The method comprises the steps of obtaining business data of the small loan companies which need operational risk quantitation, enabling the business data to form risk quantification data of the uniform standard format, calculating the risk quantification data to obtain risk evaluation values, conducting weighted average on the risk evaluation values of all the small loan companies, obtaining the standard risk value through calculation, comparing the risk evaluation value of each small loan company with the standard risk value, obtaining the risk percentage numerical value of each small loan company through calculation, evaluating the risk grade according to the risk percentage numerical value of each small loan company, and evaluating the operational risk of each small loan company according to the corresponding risk grade. According to the operational risk quantitative method and system, the objective judgment standard can be built, unified supervision is conveniently carried out by a supervision department of the financial industry, working efficiency is higher, data statistics is comprehensive, and the operational risk of each small loan company is more accurately evaluated.

Description

technical field [0001] The invention relates to the field of operational risk quantification, in particular to a method and system for quantifying operational risk of microfinance companies. Background technique [0002] Small loan companies (that is, small loan companies) are limited liability companies or joint stock limited companies that do not absorb public deposits and operate small loan business invested and established by natural persons, corporate legal persons and other social organizations. [0003] Existing small loan companies generally analyze operational risks manually in a qualitative way, which has the following disadvantages: [0004] (1) Manual analysis of operational risk is highly subjective, and it is difficult to establish a unified industry risk judgment standard, resulting in regional differences in the industry, and it is difficult for the financial industry regulatory authorities to supervise uniformly. [0005] (2) The work efficiency of manual q...

AI Technical Summary

Problems solved by technology

[0004] (1) The subjectivity of manual analysis of operational risk is strong, and it is difficult to establish a unified operational risk judgment standard in the industry, resulting in regional differences in the industry, and it is difficult for the regulatory authorities of the financial industry to supervise uniformly

[0005] (2) The work efficiency of manual qualitative analysis of operational risk is low, not only difficult to meet the needs of industry development, but also when manual qualitative analysis of operational risk, the space of data samples used is limited, and the error of judgment results is large. Big