Research On The Financial Risk Prevention System Of ZDB Micro-credit Company

In recent years, the Chinese government and relevant departments have beenvigorously promoting the development of micro-credit, making more efforts tosupport small and medium-sized enterprises, launching the new type of organizationmode of micro-credit companies, and establishing the pilot project of micro-creditcompanies, all across the country. As the organization mode is in the initialexploration phase, in the process of operation, there are various kinds of risks offinance, law, policy, market operation, etc. The monetization concentrated expressionof the all risks is financial risk, and enterprise financial result is attributed the impactof all risks, finally. So the most effective way of solving the problems is to establishand perfect the enterprise financial risk prevention system, which is the guarantee ofthe small loan industry stepping into the development on track.This paper reviews the causes and effects of the rise of the micro-credit industry,the industry is currently the bottleneck of its development in our country, thedevelopment scale and various. Then reviews the narrow, generalized two kinds ofviews on financial risk theory academia popular right now, this paper will mainlyfinancial risk from the angle of generalized analysis of the existing problems of thesmall loan. To ZDB micro-credit company for the study of individual, the generalizedfinancial risk theory the four aspect of the recovery and return of financial activitiesto raise funds, the use of funds, capital allocation, to tease out the existence offinancial ZDB the petty loan company’s financing risk, investment risk, capitalrecovery risk, financial operation. At the same time, genetic analysis of the ZDBmicro-credit company financial risk from the policy restrictions, the inferiorstatus, customer the strength of weak, lack of human resources anddevelopment planning, through in-depth understanding of the actual operations of ZDB of micro-credit companies, the ZDB micro-credit company at present problemsto be solved and the corresponding financial risks. Then, according to thecharacteristics and current situation of ZDB micro-credit company put forward thecorresponding solution and preventive measures of financial risk. Such as: raisingcapital strength, to assist the local government to build a financing platform, establishthe business, the launch of small loan business, development of financial andperformance evaluation of ERP system. These measures to reduce ZDB the petty loancompany’s financial risk, it has important practical significance to promote thesustained and healthy development. On the basis of the above analysis, the futuredevelopment of some of the ZDB the petty loan company’s inspiration, how tobroaden the financing channels, better with banks, Guarantee Corporation, othersmall loan company cooperation management, and product development pattern,scale production, business operation flow of the business philosophy. Theserevelations will also for other petty loan company provides an important guidance,promote overall health, sustainable development of the micro-credit industry.In the paper，the author chooses scientific method，which gets more cohesionwithin theoretical and practical insights, to analyze and solve practical problemsbased on the application of management theory. focus on the analysis of practicalproblems with the theory of ZDB micro-credit company as the research object,analyzing the financial risk prevention system of micro-credit companies, proposedsome targeted suggestions, is of great significance to promote the ZDB micro-creditcompany in business improvement, and the long-term future. Healthy development.Even the micro-credit industry has certain guiding significance in the newdevelopment situation and reference.