| With the support of national policy,the micro-lending companies have developed rapidly.They play important role in the reform and innovation of financial system,and easy the financing difficulty of small micro enterprises,and also provide the financing channel for the government's “three rural” policy.They have certain inhibitory action on regulating private lending,and provide more safe and standard loan service.Although they have gotten great progress with national policy support in recent years,they are facing great credit risk because their main customers are peasant household,individual businesses and small micro enterprises whose credit quality is inferior to banking institutions and these customers' loan are mainly pure credit,their resisting risk ability and willingness of paying back debts is weak.The micro-lending companies' management of credit risk is weak,so strengthening the credit risk management is the foundation of healthy and continuous development.On the basis of consulting the research results for micro-lending credit risk management at home and abroad and combining with LY micro-lending company's own situations,this paper research Ly micro-lending company's internal and external credit risk including external business environment,customer groups,risk management organization structure and internal management,and analyze the existing problems and reasons comprehensively,and put forward suggestions and improvement measures including perfecting the external business environment,building customer risk assessment system,establishing a risk monitoring and early warning system,and strengthening internal management,in order to improve the company's credit management level and reduce the credit risk,and provide basic security for company's healthy development.The research on this paper has a positive role in credit management of LY micro-lending company,and also has certain reference value for other same type micro-lending company's improving the credit management. |
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