Credit Risk Management and Legal Control

In today’s complex economic world, where credit risks are increasingly difficult to manage, the Credit Risk Management and Legal Control program is becoming an attractive choice for those who wish to contribute to building and maintaining a stable and transparent financial system.

Program Introduction

The Credit Risk Management and Legal Control program primarily focuses on the knowledge related to the legal control of credit risks, resolving legal risks in the field of credit management, handling economic disputes, ensuring the legitimate rights and interests of market participants, and maintaining transaction security. 

For example, mitigating legal risks such as breach of contract, violations, and crimes arising from the loss of market credibility, as well as handling economic disputes.

Training Objectives

This program aims to cultivate legal professionals with a firm political stance, adherence to the socialist path with Chinese characteristics, and comprehensive development in morality, intelligence, physical fitness, aesthetics, and labor. Students will acquire broad knowledge perspectives and a solid legal foundation to meet the demands of China's social credit system development. Graduates will be prepared for:

• Credit regulatory positions in government agencies responsible for social credit system construction.

• Credit management positions in enterprises, public institutions, and social organizations.

• The credit service industry, including credit reporting, credit evaluation, distressed asset management, debt collection, and credit restoration.

This program trains interdisciplinary and comprehensive professionals proficient in both legal knowledge and management, with technical skills in information processing and data analysis. They will be equipped to handle credit risk management and legal control for individuals, enterprises, and government entities in the context of the Internet and big data, providing full-process legal services for credit risk management before, during, and after credit events.

Graduation Requirements

1. Adhere to the socialist rule of law ideology with Chinese characteristics, mastering fundamental legal knowledge such as jurisprudence, constitutional law, criminal law, civil law, criminal procedure law, civil procedure law, administrative law, and legal ethics, with a strong awareness and belief in the rule of law.

2. Comprehend and systematically grasp the scientific thinking and research methods of law, possessing solid professional legal knowledge, broad academic literacy, and a spirit of realism and innovation. Graduates will be capable of:

• Knowledge acquisition: Independently learning, updating, and applying professional knowledge.

• Knowledge application: Using legal knowledge and legal thinking to identify, analyze, and resolve professional problems.

• Practical skills: Conducting scientific research and practical work with critical thinking abilities.

• Innovative thinking: Applying creative thinking methods to research and developing entrepreneurial and exploratory capabilities.

3. Understand the phased characteristics of credit risk, accurately identifying legal needs at different stages of credit risk management, and providing precise legal services before, during, and after credit events. Graduates will be able to use legal tools for preemptive prevention, in-process control, and post-event dispute resolution.

4. Recognize the importance of integrity and social responsibility, closely following the development of China's social credit system, understanding regulatory frameworks and market trends, and initially developing research capabilities in credit law.

5. Master basic information technology and data analysis skills, utilizing credit data for analysis, risk identification, and management.

6. Develop strong communication skills, both verbal and written, and be proficient in at least one foreign language.

Core Courses

• Jurisprudence

• Constitutional Law

• Civil Law

• Criminal Law

• Civil Procedure Law

• Criminal Procedure Law

• Administrative Law and Administrative Procedure Law

• Introduction to Xi Jinping's Thought on the Rule of Law

• Legal Ethics

• Introduction to Social Credit Law

• Probability Theory and Mathematical Statistics

• Information Technology and Credit Risk Assessment

• Principles of Accounting

• Credit Information Law

• Corporate Law

• Bankruptcy Law

• Financial Law: Theory and Practice

• Distressed Asset Disposal: Theory and Practice

Research Directions in Credit Risk Management and Legal Control

The key research directions of this program include:

• Credit Risk Theory

• Credit Risk Measurement

• Credit Risk Management Models

• Credit Risk Legal System Studies

• Theoretical and Practical Aspects of Legal Control in Credit Risk

• Financial Consumer Rights Protection

• Credit Rating and Credit Evaluation

• Distressed Asset Disposal

Degree Awarded

Graduates will be awarded a Bachelor degree.

Career Prospects

Graduates can work in financial institutions, government departments, and corporate sectors. Job positions include:

• Financial institutions: Risk management departments.

• Credit service agencies: Positions related to credit evaluation and credit rating.

• Regulatory authorities: Positions in credit supervision departments such as the National Development and Reform Commission, the People's Bank of China, and financial and market regulation agencies.

• Legal and judiciary institutions: Positions in courts, procuratorates, public security, judicial and legislative bodies, and government legal review departments.

• Law firms: Legal consultant roles.

• Corporate sector: Positions in credit management, legal affairs, compliance, and contract management.

Related Majors

• Law

• Intellectual Property

• Penology

• International Economic and Trade Rules

• Judicial Police Studies

• Community Correction

• Discipline Inspection and Supervision

• International Law

• Forensic Science

• National Security Studies

• Overseas Interests and Security

Top Universities Offering Credit Risk Management and Legal Control

• Xiangtan University

• Guangdong University of Finance

• Henan University of Economics and Law

• Suqian University

• Anshun University

• Heze University

• Shandong University of Business and Technology