Research On Risk Management Of Small Loan Companies In Yunnan Province

For a long time,the "three rural" issue has always been a major issue related to people's livelihood,the state of the "three rural" issue of increasing importance.In addition,with the rapid increase in the number of small and medium enterprises and self-employed,small and medium enterprises and self-employed in the promotion of national economic development in the proportion of more and more heavy.However,small and medium enterprises,"three rural" and self-financing difficult situation has not been improved,has seriously hampered China's economic development.As a result,micro-finance began to flow into China,with its small,flexible and fast advantages for small and medium enterprises,"three rural" and self-employed to provide financing services,as an important complement to the financial system,in just a few years time,The rapid development.However,behind the promotion of economic development,there are also great risks of risk,especially the regulatory mechanism is not perfect.Therefore,how to effectively monitor the risk of micro-credit companies in order to provide better financing services for small and medium-sized enterprises,"three rural" and self-employed,and promote the rapid development of China's economy has far-reaching significance.This paper focuses on the risks faced by micro-finance companies and the management of the risks they face,and conducts in-depth research on them.The main research methods are qualitative and quantitative,theoretical and empirical,literature reading method combined with the analysis of the risk of micro-credit companies to effectively manage.Through the establishment of AHP model and improve the customer credit evaluation system,and Yunnan Province,several small loan companies to conduct a specific empirical analysis,hoping to find in the process of empirical evidence to solve the problems faced by micro-credit companies,and The current risk management system for the corresponding improvement.Hoping to find a new way for a small loan company that is at a bottleneck to help its transformation and institutional reform in order to provide better and longer-term financing services to drive new economic growth.