Research On Credit Risk Management Of A Microloan Company

Since the issuance of the “Guiding opinions on the pilot project of Microloan companies”(No.23[2008] of the China Banking Regulatory Commission),which allows non-governmental organizations to use their own capital to build Microloan companies and expand their loan financing channels,Microloan companies have entered a stage of vigorous development,it plays an important role in serving“Agriculture,countryside and farmers”and supporting small and medium-sized enterprises.In recent years,according to notice of CBRC General Office on Strengthening Supervision and Management of Microloan Companies(CBRC Issued No.[2020]86),the state has continuously strengthened supervision over the loan business of microloan companies.However,the development of the Microloan market in China has been a short time.With the continuous expansion of the transaction scale,the problems of imperfect system,inadequate supervision and irregular operation have become apparent.Affected by various factors,the loan balance of microloan companies and the number of institutions in the market have decreased.As most of the loan businesses carried out by microloan companies are credit loans,and the customers’ own risk resistance ability is insufficient,some of them are unable to maintain their operations due to the high loan default rate,and have withdrawn from the market,the credit risk management of microloan companies can not be ignored.Ensuring the sustainable competitiveness of microloan companies is the key to the prosperity and stability of the financial market and the implementation of Inclusive Finance.The loan default rate of A microloan company is also increasing year by year,which seriously affects its operation.It is practical to study how to control the credit risk of the company’s loan business,and it is of guiding significance to strengthen the credit risk management of the company’s loan business.This paper combs the relevant research results of credit risk management of microloan companies at home and abroad through literature research,and understands the actual situation of A microloan company through field investigation.Investigated and interviewed the organizational structure,business process,operation,internal management and external environment of A microloan company.Found that the credit loan business of risk identification does not reach the designated position,the system of supervision and enforcement,credit risk management problems such as insufficient warning,analyzes the reasons of the problems,and put forward the optimization of the internal control and Suggestions to improve the external supervision from two aspects,including improving the risk management supervision mechanism,strengthen the credit risk assessment and recognition,Establish customer information management system and credit risk management assessment system,etc.,in order to improve the credit risk control ability of A microloan company,reduce the non-performing loan ratio,strengthen the awareness of credit risk control,and promote its healthy and sustainable development.