Research On The Operations And Risk Management Of Small-loan Company

Research on the Operations and Risk Management of Small-loan Company has important theoretical and practical significance. In this paper, The author seeks sustainable development micro-loan companies necessary institutional and legal environment.Firstly, the literature on microcredit to sort out and build this theoretical framework, followed by small institutions through international comparison, to explore foreign countries can learn from the experience of mature development. Meanwhile, small loan companies for the domestic operations the status of the analysis, small loan company is different from the ordinary operation of business enterprises and banks and other financial institutions which has its own unique business model. This unique business model is official, so small loan companies have to face its special risks. The variety of micro-credit risk prevention is the premise of going concerned. How to guard against the risk of occurrence of this article has made a series of sophisticated institutional arrangements, and wanted to establish a risk warning mechanism, improved risk identification, risk compensation, increased multi-angle and intensity to resolve small loan company risk. Finally, the small loans needed continuing operations macro and micro conditions are summarized, and made some reasonable suggestions.This article used the study of comparative analysis, empirical analysis and normative sub-combination, a combination of theory and practice, macro and micro analysis method combining multiple analysis methods. Through the macro and micro analysis, multi-angle multi-dimensional analysis of the problem, we try to build a panoramic view of the small loan company analysis blueprint, and seek to facilitate the way to solve the problem.Operations on small loan company proceeding with an analysis of the external environment is conducive to grasp the root causes of existing small loan companies operating in the issues and put forward solutions; Through this effort, and we strive to build a conducive to the development of micro-credit risk management framework for the company, small loan companies for the future lay the foundation for the healthy operation; in exploring the development of small loan companies, based on experience and issues for the sustainable development of small loan companies provide a useful suggested that small loans are beneficial to local development in Sichuan and promote local economic development.