Research On The Optimization And Implementation Of Internal Control System Of Personal Consumption Loan Company

Personal consumer loan company is a kind of small consumer loan company which is invested by natural person,enterprise legal person or other social organization.It is approved by the financial supervision institution to set up the credit value and asset value of the borrower's applicant as the credit standard,The customer's personal operating loans and personal consumer loans issued and self-management has been loan customers.Personal consumer loan company because of its flexible loan guarantee,loan approval time is short,for small and medium-sized micro-business owners and individual farmers to expand business financing channels to give more choices for personal consumption required for the temporary funds to provide a new access way,for social development has made a lot of positive contributions.In recent years,affected by changes in the financial environment,small and medium-sized micro-enterprises closed down the tide,while personal consumption loans appear not to the situation,which personal consumer loan companies encountered by the lack of management capacity,the lack of internal control system led to the company to resist risks weak ability and some other issues.How to combine the current situation,design and establish a practical internal control system is one of the urgent problems to be solved in the personal consumer loan industry.In this paper,the combination of normative research and case study,through the network of electronic data access,library books and other methods to read the study of personal consumer loan companies and internal control related information,summed up the latest research results for the following case study lay the theory basis.In this paper,we study the actual situation of the personal consumer loan company and its internal control: First,analyze the actual situation of the individual consumer loan company and its internal control aspects of the problems faced by looking for such companies within the internal control system and to clarify the direction of theinternal control system of these companies to optimize the attack;Secondly,to PH personal consumer loan company as a case,combined with the actual situation of personal consumer credit companies to explore the internal control of the various elements of the problems and analysis The reasons for the problem;again,PH personal consumer loan company internal control system construction put forward reasonable suggestions and optimization strategy,and then explore its specific implementation path and improve the strategy.The study found that organizational organization,human resource policy,risk assessment mechanism,internal control activities,internal supervision mechanism and information communication have become the imperfect of internal control system of PH consumer loan company.In order to construct a perfect internal control system,we must reconstruct the organizational structure of PH consumer loan company,and establish a sound human resources system,improve the risk assessment mechanism and optimize the risk management system.Internal control activities,to maintain smooth communication and the establishment of internal supervision mechanisms such as the formation of PH personal consumer loan company perfect internal control system.Finally,from the macro,medium and micro perspective,respectively,on the relevant state departments,a consumer industry associations,PH personal consumer loans company PH personal consumer loan company internal control system implementation path and improve the strategy.The research of this paper provides the idea of improving the internal control system for the PH consumer loan company,and also provides the way for the design and improvement of the internal control system of the same kind of company.