Research On Risk Control Of Microfinance Companies

Small loan company exists in the background of expanding business and personal financing channels and solving financing difficulties of small and middle enterprises,enterprises need to inject funds to develop business,but due to the limitation of their own conditions,it is difficult for them to get funds from banks and other financial institutions,then the emergence of small loan companies can good for enterprise funding gap.Since the small loan company pilot to carry out,the number and scale of China's small loan company has achieved rapid development,it has played played a positive role in promoting the development of small and medium-sized enterprises,advancing economic growth and increasing employment,but there is something that can not be ignored of the small loan companies,there are also some problems in there development,such as defects of risk control.The risk control is a problem that each enterprise needs to solve in the process of operation,especially for small loan companies,their main business is loan business,once the risks are not controlled properly,it will bring huge losses to the enterprise,seriously,will enable enterprises to face the crisis of bankruptcy.Therefore,it is of great practical significance to study the risk control of small loan companies to reduce the risk of the company,to promote the healthy development of the company and to solve the financing problems of small and middle enterprises.The research object of this article is Henan Province,a small loan company,CX company,using the method of literature analysis,case analysis and field investigation to analyze the the company's risk control condition.Through the investigation of the case,to get the related information of the basic situation and risk control,found the risk control in the personnel configuration defects,lack of credit rating management system,thorough pre loan review and perfect loan management in the existing problems,put forward to establish a scientific credit evaluation system,strengthen the introduction of professional staff and staff training,improve staff awareness of risk control,improve the management mechanism after the loan.