Research On The Operating Model And Risk Management Of Microcredit

As a credit services, Microcredit provides funds to vulnerable groups, who has labor will and some ability, but is marginalized by the formal financial system, such as the poors as well as small Micro-Enterprises. Based on the specificity of target customers and business, risk management is very important to achieve the objectives. Especially when the situation of social and economic development makes higher requirements to breadth of coverage and service levels of Microcredit, to carry out research on risk management of Microcredit combined with models is very meaningful.In this paper, first of all analyze risk types and causes of Microcredit, and propose the the logic to enhance risk management capabilities of Microfinance institution is to perfect its information processing mechanism as well as improve the ability to participate Game, meanwhile, to create a good internal environment through organization structure design and management system innovation. In the framework of this analysis, this paper give a comprehensive analysis on the implementation paths, technology and mechanism of models of group and individual. Then, select two representative cases cases empirical analysis to verify these conclusions. At the same time, based on the perspectives of demanders, suppliers and external environment three, point out that in the mutative external environment, Microcredit model and risk management needs to run real-time dynamic optimization. Based on this, this paper give a number of policy recommendations to enhance risk management capabilities of Micro finance institutions in the new time from the Microscopic and macroscopic levels. The innovation of this paper is mainly reflected in the following two points:the first one, from the research point, to carry out systematic research on risk management of Microcredit combined with models is innovative; the second one, from the research methods, the theoretical analysis based on empirical research based on dynamic perspective make the conclusion more convincing.