Credit Risk Control Of Jiangsu Yalu Small Loan Companies

Microcredit and microfinance company with its unique,convenient and efficient mode of operation,to solve the "three rural and small micro enterprise funding needs,effectively makes up the shortage of bank credit,become a useful supplement to the financial industry.According to the people's Bank of China announced the "2016 in the first quarter of the small loan company statistics report",as of 3 at the end of 2016,the country has been established and opened a small loan company has 8867,the balance of loans reached 938 billion yuan,employing 116365 people,paid in capital reached 842 billion 540 million yuan.However,microcredit and microfinance company industry cannot do without the topic of risk,the biggest risk from credit risk,including natural risk,market risk,credit risk and external risk,including operational risk,liquidity risk,interest rate risk and internal risk.Overdue loans and bad debts,the financial assets of non-performing rate sharply Rise,become a bottleneck restricting the healthy development of small loan companies,become the development of microfinance and microfinance industry barriers,we must attach great importance to microcredit and microfinance companies,operators and industry regulators.This paper takes Jiangsu Yalu microfinance company as the research object,through the field of repeated research,to fully grasp the basis of first-hand information on the domestic and abroad research of many scholars,using the theoretical knowledge on classroom learning,aiming at the risk problems of microfinance and small loan companies,especially for credit the risk control problem of Jiangsu Yalu microfinance companies,will do a detailed analysis and Research on the current situation,credit risk and credit risk control,credit risk control system,credit risk control system implementation plan,to create Jiangsu Yalu microfinance company credit risk control system in the thesis.