The Risk Management Analysis Of The JS Small-loan Company Of Anshan

The small-loan company is a kind of operating results by geographical characteristics influence, management risk and economic situation is closely related to and emerging financial and credit institutions with high risk and high return characteristics. Small-loan companies operate small business loans, which the main customers are small and medium-sized enterprises, individual businesses and individuals. It changes the appearance stayed for a long time that the bank is the single financial institution to solve financing problems. The small-loan companies meet the demand for loans to small and medium-sized enterprises through the legal aggregation of private funds, and put large funds for the financial market. However, behind the rapid growth in the industry and the rapid expansion of the business data, we have to pay attention to the small-loan company as a new, special loan companies, behind the business risk is high. Small-loan companies in the course of business, how to make the early warning of the risk management and how to prevention and control of operational risk has caused great concern outside the industry.JS small-loan Company is one of the prominent practices, in terms of risk control and management innovation idea, strict supervision, the lowest risk rate the best efficiency of small-loan companies in Anshan. This article take the objective investigation, interview and case consultation etc. conducted a comprehensive survey of Anshan JS small-loan company, and analyzed with theory in survey data collection based on. In this article, the JS small-loan company of Anshan as an example, the causes and how to control the risk from the two angles of the small-loan company analysis, and draw relevant conclusions. The first part is the introduction, introduces the research background and significance, the research contents and methods and the main structure of the thesis; the second part of the case body, case summary of the risk management of Anshan JS small-loan company; the third part of the combination of theoretical analysis of the four major risks of Anshan JS small-loan company operating in the process of financing include: the risk, management risk, credit risk, interest rate risk and supervision, combined with the city of Anshan, the local situation, risk analysis, risk management mode of Anshan city will rise to JS’s theory; the fourth part of the case analysis and conclusion based on the foregoing, the small-loan company in Anshan city and puts forward how to strengthen the related countermeasures and suggestions for risk management of small-loan companies. The conclusion is, in order to achieve the microfinance company’s operational risk management effectively; we must cooperate with each other through internal combined with local characteristics of strict governance and external supervision of the conclusion.