Research On Risk Management Of Microloan Company

Nowadays, the small enterprises, individual businesses and farmers and herdsmen expanding their development are single restricted financing channel, complicated financing procedure, financing difficult. Through the reform, the state and social wealth have got an unprecedented growth, and the scale of private capital is very large, so how to guide private capital into the financial markets, and how to make full use of the folk capital surplus have became the major problem that China’s monetary policy makers have to face. The Microloan Company is born in this situation that financial demand and financial supply exist the contradictions.The Inner Mongolia as the first province of microloan company Implementing pilot, in both the microloan companies numbers and capital strength, are in the leading position in the country. But there is still a certain gap in the microloans to credit risk and credit risk management. How to identify, evaluate the credit risks and improve the credit risk management level, have became the most problem what the Inner Mongolia microloan companies urgently need to be solved.Through to query relevant literature, the thesis chooses the soft information and relationship lending theory as the credit risk management theory foundation of microloans companies, and it supports the empirical analysis in the next text. After Investigating and understanding the present situation and existing problems of the Inner Mongolia microloan company to credit risk management, and through the specific empirical case this thesis gives the illustrate the operation of the credit risk management measures. Finally, the conclusions and suggestions are be given.All in all, although the Inner Mongolia microloan companies have some problems in credit risk management, the achievement on the premise of admitting the problems are admitted, And it is believed that as long as making the credit risk management methods standard, and formulating reasonable effective risk response mechanism, the inner Mongolia microloan companies will get the next spring.