MJT Small Loan Company’s Operation Risk Control Strategy Research

To promote the sustainable and healthy development of China’s rural economy and the small and medium-sized enterprises, and to effectively solve the " three dimensional rural issues" and financing problem of the small and medium-sized enterprises. China has actively carried out the exploration and practice of built small loan companies, and has opened up the new path to meet the capital need of three dimensional rural issues and the small and medium-sized enterprises. By virtue of the simple and efficient way to handle the approval,small loan companies effectively play the role of "financial capillaries", which greatly make up for the lack of banking institutions to the short-term funding needs that are not timely loans for capital temporarily turnover difficult to resolve the urgent needs of the enterprise. It has become an important channel for private financing, and a rapidly growing industry.Based on the reference to related research results and practical experience of domestic and international small loan companies related research results and practical experience, This paper chooses MJT small loan company as the research object,discusses the operation status and existing problems of MJT small loan company. This paper analyses the risk of legal, regulatory, rate, default, capital and management, that Meijite small loan company is facing of in operation, and take the relevant analysis of operational risk and return. We also put forward the optimization strategy of Meijite small loan from the governance structure, authorization model, target customers, the variety of services, operation flow, risk control, which provide a powerful guarantee for the development of MJT small loan company.