Research On The Business Model Of Shaanxi Y Small Loan Company

With the development of the national economy,the development of the microfinance companies is very fast.However,for the microcredit companies,how to highlight them in the microfinance industry,compete with the strong ones and keep pace with the development of the credit industry,Realizing long-term profitability is the pressing issue for small loan companies.The management and business models of microfinance companies are the new problems in the research of China's financial system.However,there are few researches on the concept,development trend,risk management and risk control of microfinance corporations.In this paper,it is of theoretical significance to study the business model of the microfinance company to perfect the financial credit system in our country.The research on the business model of the microfinance enterprise is helpful to supplement the financial theory system.In addition,the research on the status quo of microfinance companies in Shaanxi can help us summarize the problems and experiences of developing microfinance companies,analyze the relevant theoretical knowledge and promote the further development of microfinance companies in our country.In this paper,an in-depth analysis of Y microfinance enterprises to identify the main business problems,through the establishment of management systems and research proposals to make the healthy and standard:ized development of enterprises.At the same time,I also hope that the research in this article will provide references and suggestions for similar companies.This article analyzes the macro-environment and industry environment that the small-loan company faces in Shaanxi Province through literature research method,field investigation method,theoretical research method and case analysis method,and puts forward the necessity of formulating the business model.The content of this article is divided into six parts for analysis.The first chapter is the introductory part of the full text,mainly elaborated the research background,purpose and importance of this topic,and expounded the content and method of the research.The second chapter starts from the theoretical basis and describes the concept,policy background and business model of our microfinance companies,as well as the current development of microfinance companies at home and abroad.The third chapter mainly introduces the status quo of Y microfinance company,including the process of capital source,loan financing,credit business process,risk model,profit analysis,and the choice ofthe target of Y business model of Shaanxi's microfinance company.Chapter Four analyzes the characteristics and key issues of the business model of Shaanxi Y Microcredit Company in combination with the previous introduction.Chapter 5,based on the problems identified,makes recommendations and solutions to design a specific management business model for Y Microfinance Company.