Research On Risk Control Of Hanhua Microfinance Company In Chongqing

The overall scale of operation of small and medium-sized enterprises in Chongqing is small,and their ability to resist market risks is relatively weak.In the process of operation and development,they often encounter the problem of capital turnover.At this time,most small and medium-sized enter:prises will choose to raise funds in micro-loan companies to solve the current problem of self-financing.The scale of China’s microfinance companies has been expanding,and the business and industry involved have gradually increased.It has a very positive significance to promote and assist the development and progress of China’s small and medium-sized enterprises.However,in the process of development,microfinance companies often encounter problems at the legal level,regulatory level,financial level and credit level,which leads to the continuous improvement of operational risk of microfinance companies,and has brought tremendous impact in the process of financial market development.This paper studies the risk problems encountered in the operation of microfinance companies,analyses the causes of the problems such as the increase of operating costs,the limitation of operating business,the reduction of sustainable development ability and the insufficiency of management professional ability of microfinance companies,looks at the essence through the phenomena,opens up a train of thought for establishing a comprehensive risk prevention and management mechanism for microfinance companies,and puts forward a complete set of ideas.The risk control and optimization measures of microfinance companies.Taking Hanhua Microfinance Company in Chongqing as an example,this paper constructs a risk early warning index system based on the enterprise credit risk evaluation index system of general microfinance company and the actual situation of the company’s credit loan.Emphasis is placed on customer risk analysis and risk analysis indicators of loan projects of Hanhua Microfinance Company in Chongqing.Credit risk early warning system regards loan project risk and loan customer risk assessment as a first-level evaluation index.On the basis of the first-level evaluation index,it is divided into two levels:market risk factor analysis,project technology risk analysis,project product factor analysis,financial ability factor analysis,management ability factor analysis,production capacity factor analysis and marketing ability factor analysis.With the help of analytic hierarchy process(AHP),the risk early warning indicators of the case projects of Hanhua Microfinance Company in Chongqing are graded.Through the analysis of theory and practice,this paper puts forward how to perfect and improve the current risk control mode of micro-loan companies,and puts forward measures to improve risk control from five angles:control environment,risk identification,control activities,information and communication,and supervision.In terms of the improvement of control environment,we should make good use of the national legal structure and the financial operating environment of Chongqing to improve the policy of wind control governance,and guide the internal control structure of micro-loan companies to find suitable management policies in the changeable market environment according to the market environment and legal documents.In the aspect of risk identification,we should establish a sound pre-loan,loan-in-loan and post-loan review.The applicant’s pre-operation,loan formalities and post-loan operation should be continuously tracked and controlled so as to establish risk control from the overall perspective;in the optimization of control activities,micro-loan companies should introduce advanced management experience from the perspective of strategic operation,establish standardized preventive processes,innovate micro-loan products,expand target customer groups,and cultivate high-quality personnel internally.At the level of information and communication,micro-loan companies should optimize the communication mechanism,establish a perfect information feedback system,assist micro-loan companies in their sustainable operation and the landing of wind control measures,improve the current business operation mode with characteristics,and promote the long-term,stable and sustainable development of micro-loan companies.Development..In the process of perfecting the management and control model of micro-loan companies,micro-loan companies should comprehensively analyze risk points by integrating market factors and internal factors,comprehensively investigate loan projects and target customers,and put forward risk control measures from the aspects of market environment,risk identification,risk prevention,information communication and supervision,so as to realize the long-term operation of the company.