Research On Risk Control Optimization Of Small Loan Business Of GUOTAI Company

The growing number of small and medium-sized enterprises in private enterprises has become the core force to promote China’s economic development.However,the difficulty of financing has always been a major problem in the development of micro and small enterprises.With the emergence of commercial microfinance institutions in 2005,the microfinance industry has developed rapidly,injecting new vitality into finance market of China,providing financial support for small and micro enterprises for the first time,and expanding the channels of enterprise financing.However,as a new type of financial institution,microfinance enterprises have not obtained a clear financial status at the legal level,and they are also facing many risks while constantly developing.Therefore,under the background of the accelerating economic integration process,this paper aims to find out the existing problems through the research on the risk control of small loans,and put forward the targeted optimization strategy to promote the sustainable and stable development of small loan companies in China.Based on previous research theories on risk control of small loan,this paper adopts literature survey method,quantitative analysis method,investigation and research method,etc..Taking Guotai small loan company as an example,it is found that the existing problems in risk control of its loan business include incomplete pre-loan investigation,imperfect post-loan management system,imperfect risk warning mechanism and weak risk control and management awareness;Then,the reasons are analyzed as follows: the loan structure planning lacks rationality,the risk assessment is not scientific,the customer cooperation degree is weak,the quality of practitioners is low,the overdue transmission mechanism is missing,and the continuity of risk identification process is weak.Finally,a series of optimization measures are taken: optimizing the operation process of loan business,optimizing the organizational structure and post setting of the company,perfecting the risk control system and post-loan management methods,and providing regular professional training for risk management personnel.The purpose of this paper is to improve the ability of identifying risks before loan,improve the existing risk control process,reduce loan delinquency rate and improve thequality of loan assets from the aspects of the whole loan process,including pre-loan,in-loan,post-loan,credit structure setting,relevant systems and the quality of risk management personnel.