Research On Credit Risk Assessment Of Microcredit Company

Micro-credit companies have been developing rapidly since the pilot, they have played an active rolein broaden the financing channels、the prosperity of the rural financial markets and regulate private capital.At the same time, the service objects are vulnerable groups, the line of credit are small and the highlyqualified personnel are small. So it is particularly necessary to explore the mode of operation andmanagement of small loan companies. This study draws on domestic and foreign commercial banks’ riskassessment, risk management and other aspects of research, combined with the actual situation of China’sMicro-credit companies, based on the theory of the formation of micro-credit business credit risk, from thepoint of the market economic system、governments and enterprises own to make out the Internal andexternal reasons. The credit risk identification, classification, screening out of 14 measurement indicators tobuild a small credit risk, operational risk, market risk and liquidity risk amount of Micro-credit companiesrisk assessment system, the establishment of structural equation modeling, quantitative analysis of thequantitative relationship between risk factors and between risk factors and indicators, results show that theimpact of market risks on the liquidity risk, customer credit risk more significant impact in order to reduceliquidity risk of customer credit impact is more significant with, while operational risk and liquidity risk,between the customer credit risk and market risk is no significant the effect; four corresponding to the riskfactors for observing variable the incidence of system failure, financing channels, and the proportion ofnon-performing loans, interest rate changes, the credibility of the customer history the greatest impact. Tothis end, the government departments should refine the external supervision of the laws and regulations assoon as possible、relax the financing channels for small loan companies and increase support forMicro-credit companies, Micro-credit companies in the credit business should explore innovation inmortgage-backed model, Increase the weighting coefficient of financing channels for credit riskassessment、the proportion of non-performing loans、changes in interest rates and customer historycredibility.