Research About Correlate Problems On Micro

Since the21st Century, the financial risk is becoming increasingly prominent, which has made the alarm to the developing micro-loan company. For such a burgeoning industry, it should complete the internal control diligently, minimize the risk. It not only involves the micro-loan company’s own survival and development, but also related to the national and international economic order stability. We should be aware from the massive financial crisis cases, in order to prevent the risk and ensure the orderly development of the micro-loan company, it is very important to build a suitable micro-loan company internal control system. Compared with the foreign micro-loan company, the internal control construction of the Chinese micro-loan company is still in an embryonic stage. Therefore, it is a very real issue and long-term task for the Chinese micro-loan company to establish a perfect internal control which is also the purpose of this research.This article takes the micro-loan company internal control as the object of the research. First of all, from the internal control basic theory, this research elaborates the connotation, elements of the internal control and the latest research findings; Then it introduces the thought of internal control for the "Basel system" and the principle as well as the micro-loan company internal control practices; In addition, it makes the analysis for the development situation and existing problems of the micro-loan company internal control; Finally it makes the internal control system structure of the micro-loan company. Including: to perfect the micro-loan company’s internal control environment; to merge into one organic whole between the concrete internal control measure and the operational activities; to ensure the effective internal supervision through the independent, highly effective internal audit organization; to perfect the information system and electronic risk control. Perfect internal control system is the premise of the company right decision, is to stimulate the management ability and the reasonable constraint behavior, and is also the effective supervision so as to realize the risk control, improve the quality of asset.