Small Loan Company Business Model Innovation And Risk Control Research

Early in the 21st century, the small loan company formally in our country, it is in the middle of the formal financial institutions and private lending, business model and risk control, etc have their own uniqueness. With the continuous development of market economy in our country and the global financial crisis after the recovery period, great changes happening in the wider economy in our country, as a special small loan companies in the financial industry, its current business model in the actual business operation and risk control, etc have already can’t adapt to the request of the ages. To regulate micro-credit company’s business model, control operating costs, improve operational efficiency, strengthen risk control, need for small loans the company’s business model and risk control theory research and practice analysis, targeted Suggestions to consummate the small loan company business model and risk control measures and reasonable Suggestions.Based on the theory of micro finance, using the method of literature analysis and model analysis, specification, with small loans to the company’s business model and risk control as the research target, according to the characteristics of the industry, the present situation and the business model, draw lessons from the domestic and foreign related research results, combined with China’s micro finance industry policy environment, the business model innovation and risk control comprehensively discusses, from the perspective of practical operation, scholars at present, both the point of view of systemic and further refinement, put forward their views and Suggestions. Targeted Suggestions to consummate the petty loan company’s risk control countermeasure mentality and rationalization proposal.Based on small loans company business model innovation and risk control problems, to explore its analysis. This article is divided into six parts. The first chapter is the introduction, this essay introduces the research background, the total number of domestic and foreign literature, the research significance, ideas and methods, etc. The second chapter related theory for small loans company overview, and the development of the small loan companies in our country. Chapter iii for micro finance status analysis of the company’s business model, through analyzing the current situation of small loan business, innovative business model is put forward. The fourth chapter for small loan companies operating risk analysis, through the analysis of micro-credit company’s current internal and external risks, indicates that the main reason leading to the risk. The fifth chapter to the sustainable development of small loan companies as a starting point, puts forward Suggestions for improvement of small loan companies, including macro external policies and advice and micro aspects of the internal mechanism is suggested. As the research conclusion, and the future outlook, chapter 6 summarizes the whole study of the article conclusion, and puts forward the future remains to be further study related issues.The innovation of this article is that the aggregation of small loan companies business model and risk control present situation, puts forward small loan company’s business innovation model and risk control measures, is conducive to further enhance the competitive of the small loan companies and risk control ability, promote the sustainable development of the company.