The Early Warning And Control Of Tianyi Small Loans Company’s Credit Risks To Study

The rural financial system and financial services has been our financial service systemand is relatively weak link, the existing formal financial institutions in rural areas offinancial services from the network setting, scale, and many credit the construction of newsocialist rural areas still can not meet the financing requirements,"three rural "issue offinancing has become the" three rural "development bottleneck of agriculture.countryside andfarmers" development. In the global financial crisis severe situation, Harbin city small loansin support of the parties to the policy driven, springing up get fast development. As a newtype of microfinance organizations microfinance company, which quickly became the newarmy in the field of financial services in Harbin, effectively improve the area of financialservices in rural areas and the county economy, and further to meet the farmers, individualindustrial and commercial households, SMEs, micro enterprises demand for credit, to acertain extent, alleviate the "three rural" problems and difficulties in financing small andmedium enterprises, to become a useful complement to the financial markets in Harbin.However, small loan companies in the development and operation of the process, but alsoexposed the credit risk can not be ignored, if not resolved to prevent, not only affect their owndevelopment and growth, will also be difficult to play a positive role in economic and socialdevelopment.Therefore, this paper at Tianyi small loans company’s credit risks to study, puts forwardthe risk early warning and risk control methods and measures to achieve from point to area,used for reference.