Credit Risk Identification And Mitigation Strategy Of Guohai Small Loan

Small loan company is the introduction of private capital into the financial sector and the development of a comprehensive way,and in these years has made some achievements.However,with the implementation of the national regulation and economic growth slowed down,the small loan industry risks continue to emerge,and at all levels of risk,such as policy,as well as operational risks are increasing.So,analysis the risk of small loan companies,and identification and the countermeasures are put forward to realize the sustainable development of small loan companies,and play its role in promoting the construction of market economy,has an extremely important opinion.In this paper,through the literature,field research and case analysis,this paper analyzes the actual situation of the small loan company,and puts forward some opinions on how to construct the loan risk management system of the small loan company.There are seven chapters in this paper.The first chapter is the introduction,this paper outlines the development status of the background and industry;the second chapter is the related concepts of credit risk management are defined,and put forward the related theory of this research;the third chapter is on the main problems existing in the Guohai of small loan company loan risk management and their causes are analyzed;The fourth chapter puts forward the framework to solve the problem of the corresponding loan risk management in the Guohai of small loan companies,mainly refers to the top-level design of credit risk management and its corresponding guiding ideology;the fifth chapter is the risk identification of the whole process in the Guohai of small loan company loan are analyzed,and puts forward some new ideas of loan risk to identify the double visual angles;the sixth part is the case in the Guohai,as the breakthrough point,has carried on the elaboration;the seventh chapter summarizes the whole dissertation.The innovation of this paper is: from the identification of risks i the process of loan risk factors,source of repayment from the point of view.The research work of this paper also provides some useful suggestions for other small loan companies to establish effective loan risk management system.