Research On Changchun City Kira Microfinance Company The Internal Control System

Small loan company is a is a natural person,invested and set up an enterprise as a legal person and its social organization,don't absorb public deposits,microcredit business,limited liability companies or small loan co.,LTD.Compared with Banks,small loan companies more convenient,rapid and suitable for capital requirements of small and medium-sized enterprises and individual industrial and commercial households;Compared with private lending,small loans more standard,loan interest can be both sides talks things over.Microfinance company is a n enterprise as a legal person,has the independent legal person property and enjoys the legal person property rights,to civil liability for their debts with their entire assets.Small loan company shareholders shall be entitled to en joy the ca pital proceeds,participate in making important decisions and selecting its management rights,w ith its subscri bed capital contribution or subscribing for shares in the limit of liability to the company.Small loan company is an important content of rural financial organization innovation,in 2005 in shaanxi,sichuan,guizhou,shanxi,Inner Mongolia five provinces take the lead in launched a pilot.Since in 2008 by the pilot to the open,our country small loan companies in both the number of institutions and the overall strength of ways to realize the transformation and development.By the end of Ju ne 2012,the national small loan company has rapidly increased to 5267.Small loan company itself is not a banking financial institution,can't absorb public deposits.Microfinance company loans for farmers and small and medium-sized enterprise object,although the business is \ "short,frequency,fast\",the characteristics of loan efficient,flexible,low threshold,to a certain extent,ease the financing problems of sm all businesses and farmers problems,also helps to guide the folk lending behavior toward standardization,the sunlight.But in small loan companies behind the explosive growth,it faces some problems and t he grip is becoming more and more highlighted.Recently due to the supply and demand change,the folk lending interest rate is gradually decline.Since this year,the overall macroeconomic situation is not good,small credit business of the company as a whole are in decline.For now,the market effective demand falling,benign customers are not good looking.According to the personage inside course of study introduces,macroeconomic situation and the tightness of bank credit condition are the main factors influencing the folk financing activity.Especially in the context of the macroeconomic situation in this year,the central bank's monetary policy has made financial institutions relatively abundant,difficulty is relatively lower,enterprise from bank loans must be reduced demand for private lending channels funds,loan risk serious increase,due to the backward management level,lack of necessary internal control system,anti-risk ability is abate,cause some microcredit loans to these small companies and the people life has brought some bad influence,and blow some microfinance industry,and for the small loan company is a wake-up call,of the growing importance of the internal control system.This article takes changchun kira microfinance co.,LTD.,for example,under the impact of the current era,build a benign health,operable,internal control mechanism,to maintain smooth,healthy and sustainable development has important significance.Changchun kira micro-credit company's internal control help it to achieve a better forecast in the tide of financial competition,control and avoid some unnecessary risk.Continued health in a steady income increased at the same time,the basis of changchun kira microfinance co.,LTD.,potential for development of small and medium-sized enterprises,and a&m merchant services,small maintain financial market stability,promote the DPP lending market compliance in ac cordance with the law,fair j ustice,promote the standardized development and benign competition between enterprises.More important is changchun kira microfinance co.,LTD.,used to establish a benign and orderly internal control mechanism for the w hole of ch angchun economic development and s olve the problem of employment play a positive role.