Research On The Development Of Micro Credit Company In Weinan And Its Countermeasures

Since the application of the micro-credit company pilot guidance in 2008, The State encourages the establishment of micro-credit companies for the " agriculture, countryside and peasants " and Small and micro businesses and other groups. After the introduction of the policy to encourage, micro- credit loan is not only to survive, can not attract deposits. Subsequently, the relevant departments of the state continued introduction of various policies and measures to encourage private capital into the financial sector, After the introduction of the policy, micro-credit companies are developing rapidly across the country. The rapid development of business of micro-credit companies, In recent years has maintained high growth, micro-credit companies development an important new force to promote the " agriculture, countryside and peasants " and Small and micro businesses. But with the increasing number of micro-credit companies and the improvement degree of specialization continue.Therefore, it is of practical significance that understanding the financial status of micro-credit companies, the existing problems and reasons, to explore ways and means to solve the problem of the feasibility, and sustainable development. Based on the development of micro-credit companies in Weinan conducted field research,From the business environment, quality management, risk control, capital source and solvency, operation,Studied on the development of micro-credit companies in Weinan. According to the actual situation of Weinan city, Analysis of the main factors affecting the development of small loan company..According to the investigation and research, That small-scale capital, loan five level classification is more casual, risk reserve extraction to be norms and following up the shortage of funds, human resources reserve lack is restricting the development of micro-credit companies such as conclusion. And puts forward the petty loan company should improve risk consciousness, establish the sustainable supply of capital mechanism, improve the external management, strengthen financial innovation and personnel training, implement financial preferential policies and encourage access to the credit system policy recommendations. For the promotion of micro-credit companies, healthy and stable development, has certain practical significance.