HD Study On The Risk Management Of Small Loan Companies

Our country began the microfinance development and progress from "poverty alleviation economic cooperatives". Because of this credit model can solve the problem of financing a part of rural China, and even in some areas has replaced private borrowing and other forms of. It can make more people to enjoy the benefits of economic development, but also can eliminate various social and political instability,"Small loan companies" capital is a private capitalists, therefore, in the development of small loan company process should not only bear the internal risk must undertake the uncontrollable external risk. How can let the petty loan company to achieve development in the internal and external risk coexist under the environment, better take a what kind of road service to our country’s economy and it is very importance to economic problem.In this paper, the development of production HD microfinance company and its survival environment on the basis of HD, the petty loan company business forms and internal and external operational risk are deeply studied, finally concludes HD microfinance company belongs to the development of better loan company, which has its own characteristics in the specific operation hand. It has the advantage of convenient and flexible, so it can survive in the competitive market environment. But HD microfinance company and its peers are also faced with the internal and external policies and laws and regulations, the problem is that they cannot be solved by yourself. In this paper, from the practical point of view, for the government to formulate policies and laws and regulations and put forward some suggestions, make out the correct guidance of folk capital policy and promote the sustainable development of industry of microfinance in china.