Research On Risk Analysis And Control Of Microfinance Companies

China’s microcredit industry is now at a critical stage of transition from the chaotic and disorderly development stage to the mature stage of the prudent norm after more than 20 years of development.In this period,how to guide the company to strengthen its core competitiveness to promote orderly and healthy development of the industry is the core issue of the microcredit industry.The key to solving this problem lies in the risk control of microcredit company.Papers to microcredit companies as the main research object,on the basis of combing related literature at home and abroad,on the basis of comprehensive risk management theory and framework,combining with the characteristics of microcredit company’s industry and business and systems research microcredit company strategic risk,financial risk,market risk,business risk and legal risk control strategy and the causes of,and in Beijing XX international microcredit co.,LTD.,a comprehensive risk control practice as a case,discusses the risk control strategy and framework in practice the application of small loan companies management,so as to provide theory for small loan companies to carry out the risk management and practical application of reference.Paper main content is as follows: first of all,the thesis of small loans,risk,and has carried on the definition of risk control,this paper expounds the theory of enterprise risk management and internal control theory,and studies the relationship between risk management and internal control.Furthermore,this paper summarizes the research,business risk research and risk management studies of the small loan business,and lays the theoretical and literature foundation for the research of the paper.Secondly,the paper studies the present situation of small loan companies in China.This paper analyzes the development status of the domestic microcredit industry and analyzes the current situation of risk control of microcredit companies and analyzes the causes of risk control problems.Then,in the theory and the literature research and the analysis of the status quo,on the basis of the papers in the small loan companies,on the basis of comprehensive risk classification framework,emphatically from the strategic risk,financial risk,market risk,business risk,legal risk,analyzes the five aspects,such as the characteristics and effects of the main risk factors,the corresponding risk control strategy is put forward,and expounds the small loan companies optimize the supporting measures of risk control.Finally,the paper takes the comprehensive risk control practice of Beijing XX international microcredit co.,ltd.as a case study and discusses the application of risk control strategy and framework in the management practice of small loan companies.Paper characteristic mainly embodied in the following two points: one is the paper based on the theory of risk management,combining with the characteristics of small loan companies,in addition to business risk,also on the strategic risk,financial risk,market risk and legal risk and risk control measures are discussed in this paper,that is,from the Angle of comprehensive risk management of small loan companies risk control problem is studied;Paper adopts the normative analysis and case analysis with the combination of research methods,for the selected cases from the Angle of longitudinal development and comprehensive risk management point of view was studied,and summarizes the case of revelation,comprehensive risk management theory of small loan companies are verified,at the same time for the comprehensive risk management in the practical application of small loan company provides reference.