Small Loan Companies Operating Risk Control And Prevention

Since the beginning of2005so far, private capital operation "credit not only tosave" commercialized microfinance companies, by the people’s bank of Chinasuccessively in shanxi, sichuan, guizhou, shaanxi, Inner Mongolia five provinces(area) to carry out the pilot work. Small loan companies increasingly prominent inthe position in the financial system, become a folk capital into the financial sector isone of the important channels. Then more and more established credit institutions,credit market prospect is very broad, but as time goes by and government policychanges, arises at the historic moment of small loan companies in developing anuneven.Natural person, enterprise legal person and its social organization is small loancompany’s investment support main body, set up limited liability companies andjoint stock co., LTD., its substantive characteristics is not absorb public deposits. Isadvocated under the condition of reasonable meet the demand of individual unitplanning premise, as far as possible eliminate tedious handover procedures, as forthe specific business interest measurement details will be approved by the bothparties to verify. Though this part of the debugging multiple binding mechanismdoesn’t exist, but our country currently involved in the same type of enterprises inbusiness model still not perfect, in the process of actual operation often inevitablymany conflicting issues and the market order.For these risks and problems in the aspect of management, how to according tothe characteristics of small loan companies themselves to analyze its business risksto promote small loans company to improve in our business, and even to small loanscompany operation and risk prevention, so that the final can success or not, isparticularly important. In the light of the current situation of the development of small loan companiesat this stage, the risk situation, summing up the five kinds of small loan companiesare facing the risk types and performance, and the risk of each type of specificpreventive measures are put forward.