Research On Comprehensive Risk Management Of XY Microfinance Company

With the continuous development of China's economy,small and medium-sized enterprises in the economic development gradually occupy a position can not be ignored.Small and medium-sized enterprises due to the small scale of operation,weak ability to resist the risk of making it difficult to raise funds to the banks to solve their production and operation encountered in the financial problems.However,in recent years,the micro-credit companies have just solved the problem of financing the small and medium-sized enterprises.With the rapid development of the small loan industry,the small and medium-sized enterprises can also have certain anti-risk ability,the capital saved in the private capital is gradually released The After the explosive growth of the microfinance industry,its growth rate has slowed down and began to decline.This shows that there is a serious problem in the development of the microfinance industry.Small loans companies in the course of their business due to risk control is not in place,after the loan tracking management is not in place and other reasons,often lead to its failure to recover the loan funds strand breaks so that it can not continue to operate the phenomenon.It is necessary for a small loan company to use a reasonable risk management system to avoid risk,and a comprehensive risk management system allows microfinance companies to focus on their overall goals,through every aspect of the company's management and business processes The implementation of the basic principles of risk management,to develop a good risk management culture,the establishment of a complete comprehensive risk management system,so that the micro-credit industry to grow healthily.In this paper,XY small loan company as a case,the use of a comprehensive risk management system to solve its risk management process in the existing problems.It is hoped that by discussing the macroscopic environment of microfinance companies and combining with the actual situation of XY microfinance companies,it clarifies the risks and causes of XY microfinance companies,through the use of comprehensive risk management system for XY microfinance the risk management of the company is optimized to reduce its risk and realize the healthy development of the microfinance industry.This paper analyzes the basic theory of"comprehensive risk management of microfinance companies" by using literature research,case analysis and normative analysis,and analyzes the theory of comprehensive risk management,and analyzes the situation of XY microfinance company and its risk management The actual situation of the description and analysis,found XY small loan company risk management system in the shortcomings and to build a comprehensive risk management system,hoping to improve the external regulatory system and strengthen the company's comprehensive risk management culture to ensure a comprehensive risk management system Implementation.The significance of this study is to make micro-credit companies better risk control;the establishment of a self-conscious risk management awareness of micro-credit companies is conducive to exploring the effective path of private finance development;for the government to the small loan company to carry out effective supervision to provide reference.