Research On The Risk Management Of A Small Loan Company

Risk controling is an important symbol of the level of company management, occupy the position play a decisive role in corporate governance, can the advantageous safeguard enterprise health management. It is based on the business process of the control and supervision of each link of the company, enterprise to reduce possible losses, improve the business efficiency. In recent years, the rapid development of small and medium enterprises, is playing a more and more important role in China's national economy, but the financing difficulties of SMEs has been an important factor in obstructing the healthy development of. In this context, the petty loan company emerge as the times require, and provides a new path for the financing of small and medium-sized enterprises, is conducive to the healthy growth of small and medium-sized enterprises to solve the financing dilemma. The petty loan company as a new industry, there exist all kinds of problems, the risk control system is not perfect, in recent years, the financial risk problem is particularly prominent, all these indicate that the construction of a suitable for small loan companies, industry characteristics of the risk system, control the risk within the range can bear, it is very important to. At the same time, it is also a subject worth studying.This paper takes A micro credit company as the research object, firstly introduces the background, significance of the topic and the existing research results of home and abroad are reviewed, and then on the basis of risk control on the related theories, the general situation of microfinance, A enterprise risk control framework and process to do a comb, and the A microcredit enterprises rationality between each process and may face the risk is analyzed in detail. After considering the risks of A micro credit enterprises, the causes are introduced, it is pointed out that A microfinance enterprise at present the risk control system in the existing problems, and puts forward the each of the problem to be solved, the corresponding suggestions and countermeasures are given. Specific include:to broaden the financing channels to reduce the cost of financing, the establishment of a sound bridge business risk control mechanism, improve the internal management level, increase in cash flow control oriented supervision after loan mechanism, government reduce the sources of funding constraints, improve the external supervision system, and provided the corresponding financial services and give preferential policies and other incentives. Finally, according to the suggestions and Countermeasures for the proposed A microcredit enterprises to establish a set of perfect risk control system, to avoid the risk, reduce risk, improve A microfinance company risk control effect, eventually allow the company to sustainable development.