Research On Credit Risk Management Of Changchun Huayin Microfinance Co.,Ltd.

Currently,because micro-credit is a simple,fast and flexible financing way,it becomes more and more popular among small companies.Arguably,the development of micro-credit companies is gradually replacing informal financing market.However,credit risk problem of micro-credit Company is becoming obvious.The characteristics of " credit is not only to save",information asymmetry,imperfect system and the single service object,combined with the weak loan main body credit consciousness and scarce professionals,will produce microfinance institutions' credit risk.According to their own operating conditions,micro-credit Company should analysis the potential credit risk,and understands the particularity of the risk,correctly identify the risk,evaluate the risk,and control the risk,the feasible credit risk management.Researching on the credit risk management can make micro-credit company fully understand problems;maintain the stable and healthy operation,to help decision be scientific,at the same time to improve business efficiency.Control and to reduce the small loan company's credit risks,improve credit risk management level,ensure that microfinance can continue steady and healthy development of the company that is microfinance market needs to solve the problem.This paper puts forward concept of micro-credit and the management of credit risk,analyzed the credit risk management of Changchun Huayin Microfinance Co.,Ltd and problem analysis of the current situation and problems;studies the principles of evaluating microfinance companies' target customer credit risk,designs primary index system applying experts-consulting and correlation-analysis,examines it's coefficient and validity;determines methods to calculate weights of evaluation indicators and evaluate target customer and establishes appropriate optimization model;takes three target customers to apply for loans as examples,analysis the empirical verification and the selection results;puts forward the small loan company credit risk control measures.