A Study On Customer Credit Risk Assessment Of Wuxi S Micro-credit Company

Since the pilot of micro-credit company began,micro-credit companies are developing rapidly.They are playing an important role in prospering rural financial markets,opening up the financing channels for small and medium enterprises,standardizing private lending and so on.But the problems of customer credit risk management have gradually hindered the development of micro-credit companies,it has a serious impact on the stability of financial markets and the sustainable development of micro-credit companies.Therefore,systematic study on the evaluation system of customer credit risk for micro-credit companies has an important role in the sustainable development of micro-credit companies.Under the structure of credit risk management,there are also differences among the characteristics and the formation mechanism of credit risk in financial institutions.On the basis of fully understanding the market position and business characteristics of micro-credit companies,it should correctly understand the credit risks customers faced.On the basis of correct selection of customers' credit risk index,it should choose and use the correct credit risk assessment and early warning methods in order toput forward effective measures for customer credit risk management.This paper is divided into six aspects: First,through literature review,it puts forward the specific research methods and ideas for this paper.Second,it first overviews the theory of micro-credit companies and then introduce related credit risk theories briefly.Third,it first analyses the basic situation and credit risk of S micro-credit company in detail,then analyses the problems in credit risk assessment and credit risk management.Fourth,on the basis of the foundation of customer credit risk evaluation model for S micro-credit company,it conducts an empirical study on customer credit risk evaluation for S micro-credit company.Fifth,it puts forward the strategy and suggestion of the credit risk management of S micro-credit company trough analyzing.Sixth,it summarizes the main conclusions of this paper,and further prospects on deficiencies.The significance of this paper is to find a combination of qualitative and quantitative methods,and to establish a customer credit risk evaluation model of S micro-credit company.Through the evaluating the customer credit risk of S micro-credit company,it puts forward some strategies and suggestions for the customer credit management of S micro-credit company.