Research On Operational Risk Of Z Microcredit Company In Shenzhen

Because of the shortcomings of our traditional financial system,the phenomenon of financial repression is very serious,and the allocation of financial resources is uneven.The right of enterprises to obtain funds is very unfair.Compared with large enterprises,small and medium-sized enterprises are very difficult to finance,and can even be excluded from the traditional financial system of our country.With these current problems,in recent years,with the advocacy of Inclusive Finance in China,microfinance companies as a supplement to China's traditional finance have mushroomed rapidly.Microfinance is an extension of small loan in technology and application,the establishment of small loan companies,private capital will be a lot of rationalization together,not only regulate the private lending market,but also effectively solve the medium and small enterprises financing expensive financing problems,become a useful supplement to the traditional financial system in China the.However,in recent years,along with the prosperity and development of microfinance industry,the operation risk management problem of microfinance companies has also been exposed rapidly,which has caused great losses to small loan companies.Therefore,only efficient operational risk management can enhance the efficiency of small loan companies,reduce capital and management risks,and promote the long-term and steady development of microfinance industry.In order to solve the problem of management of the small loan companies face operational risk,improve the operation efficiency of microfinance companies,based on the theory of operational risk management and operational risk control evaluation theory,adhere to the theory and practice of combining research methods,case study in Shenzhen city where I Z microfinance companies,at present the current situation of the development of the microfinance industry as the background,in-depth analysis of risk control issues in the process of Z business model,small loan companies and risks,and then summed up the management problems of small loan company's operational risk,operational risk management has put forward suggestions for the healthy development of the microfinance industry,hope to contribute an own strength for the industry of microfinance in China healthy and long-term development.