| Since the 1990's, with the economic development of China, small loan companies have been well developed and flourished in our country and have become the important supplement of the existing financial system. However, with the rapid development of the microfinance industry,a variety of risks also hidden behind it. The purpose of this study is to explore the measures that how to improve the risk management of small loan companies and make the companies to circumvent the risks more practical and effective. This paper adopts these research methods: Literature Research Methodology, Qualitative and Quantitative Methods. Firstly this paper expounds the related theories of the microfinance and the risk management of microcredit companies. With the ZP micro-credit company as the research object, this paper also describes the company's operation and business situation, analyzes all kinds of risks that the company faced, finds the problems and its reasons in the risk management process, and constructs the company risk evaluation model which based on the Analytic Hierarchy Process(AHP) and Fuzzy Comprehensive Evaluation(FCE). Further, this paper applies evaluation model to evaluate the risks of the ZP micro-credit company. Thus the evaluation conclusions are drawn: the overall risk level of the ZP micro-credit company is low, but operation risk level and liquidity risk level are a bit higher. On this basis, this paper puts forward the ZP micro-credit company six risk optimization measures, aiming that the company can complete its risk management system, improve its management level, and control risks more effectively.The research of this paper will not only help promote the ZP micro-credit company to improve its risk management work, and form a system of risk management system, further enhance its market competitiveness. At the same time, the risk evaluation model constructed in this paper will also be able to provide a reference for other small loan companies, and has some reference value. |
PDF Full Text Request