Management Model Microfinance Company Risk

Microcredit originated the test of Bangladesh famous economist Professor Mohamed Yunus in the nineteen seventies. Microcredit Company is developed on the basis of the successful experiences of foreign microfinance institutions in China, experienced three stages of test, pilot, and development. After nearly6years of development, Microcredit Company has become an important part of China’s financial system, an important innovation of rural financial system. Operating in the development of Microcredit Company, there are lots of problems and risk factors, thereby causing loss to Microcredit Company, have the extremely disadvantageous influence to the future development of Microcredit Company.This paper will take the microcredit company SL of Qing Yuan city as an example, through investigation and study, learned from the successful experiences of foreign microfinance institutions, used the risk management theory, achieved a combination of theory and example, analyzed the existing causes of problems and risk in SL company. Be directed against the risk of SL company, from risk identification, risk assessment, risk early warning and risk control of four aspects respectively, we want to design a feasible risk management model in SL company, and to draft some safeguard measures. Safeguard measures from the establishment of scientific and rational loan approval process to improve the internal management system and external environment, put forward to the loan before the loan, the loan approval process, scientific management after loan and establish related mechanism, reduce SL company’s credit risk, meanwhile, to improve SL company’s internal management system and external management environment, emphasize institution, human, information management, business, government and industry association factors, enhance the risk management level of SL company, in order to reduce the risk and achieve the goal of sustainable development.