Who can talk about the bank's risk control model to do what, roughly realize what is like

1, the starting point of the bank's risk control model is mainly to measure the borrower's ability to repay, that is, how much money and how much money can be borrowed, that is to say, the borrower to do the rating. In general, the model consists of two parts, namely, objectivity and subjectivity. The main objective is the type of data, of energy. Such as the annual review of the company's financial reports, bank flows, tax payments, etc., these data can be set in the model, has been set to give a score or grade as a reference. But the objective data is only not enough, for example, the company's industry is eliminated backward industry, such as steel, cement, etc., the rating may require some degradation, for example, experience in the industry, the company's manager will affect the company's risk, so this part of the reliance on the subjective to make some adjustments.

2, baby products basically no 8% return, because the baby is the main counterpart of the money fund. The money market is the market of institutions, if there is a big change in liquidity will affect the yield of baby products, such as the central bank announced an increase in the reserve requirement ratio, that is, the liquidity and financing costs theory market injection will decline, "baby" yields will fall. Point-to-point to point-to-point financial management of the current 8%, the back of the assets docking is not possible money funds, generally on the loan assets docking. Point to point is a personal loan, so that more than one loan assets into an asset package, and packaging products, investors invested in such products, that is, a small part of the whole package of diversified investment, thereby realizing the effect of diversification and reducing investment risk.