A Study Of Sustainable Operation Capacity Evaluation In ZS Microfinance

With the rapid development of China’s economy, small loan companies are springing up in China, the emergence of small loan companies, greatly satisfy the demand for loans to small and medium-sized enterprises and the rural residents, and solved some people do not have loans money problems, is an effective supplement to the financial markets. But in the process of the development of small loan companies, because the related policy, credit system, internal management, and other factors, causing many small loans the company’s business is in trouble, sustainable management has become a common problem.Therefore, based on the small loan companies as the research object, in a sustainable management for further research Angle, using principal component analysis(pca) by the sustainable management of small loan companies by empirical research.This article first expounds the sustainable capacity of small loan companies, relevant concepts, and enterprise competence theory, enterprise sustainable development theory, innovation theory and information asymmetry theory, based on the ZS small loan companies, for example, introduces the operation situation and the existing problems. Further to ZS small loan company for the specific case, based on the scientific nature and feasibility of qualitative and quantitative, in principle, to build the ZS sustainable microfinance company operational capability evaluation index system, and analyzes the feasibility of principal component analysis in the analysis of its sustainable operation, by u sing principal component analysis(pca) screened ZS micro-credit company’s sustainable operation principal component evaluation, simultaneously comprehensive evaluation of sustainable operation. Finally, according to the empirical results in this paper, it is concluded that the main influencing factors of sustainable operation, small loans company from internal factors and external factors on the thorough analysis, and policy support, the internal management, business innovation, and risk control, etc, to p romote sustainable microfinance company operating related Suggestions and measures are put forward.Through principal component analysis, this paper found that the main influencing factor of the sustainable microfinance company management, risk control, revenue and customer are the important factors affecting employees, this is mainly embodied in the repayment rates, credit rating, and growth rate of return on capital, customer specific indicators, thus, small loan company to continue as a going concern, it should improve its risk management system, actively innovative business increase revenue, improve the ability of employees, lay a foundation for the sustainable management.