本文分析了企业集团财务公司信贷业务的经营特征和信用风险特点,从信贷业务管理体系、信贷风险管理的制度设计、绩效考核体系等方面提出了财务公司信贷与信用风险管理的框架,并从授信管理、用信管理、贷后管理、风险处置等环节提出了财务公司信贷业务全流程风险管理的工作建议。 This paper analyzes the operating characteristics and credit risk characteristics of the credit business of the financial conglomerates, and puts forward the framework of the credit and credit risk management of the financial companies from the credit business management system, the system design of credit risk management and the performance appraisal system, Management, credit management, post-loan management, risk disposal and other aspects of the financial company’s credit risk management process of the whole work process.