Research On The Improvement Of Risk Management Of S Small Loan Company

At present,in the domestic interest rate reduction environment,small loan companies are facing the difficult situation of increasing risk,reducing interest and reducing profits.The essence of small loan companies is actually to price risks.Once the risk control goes wrong,it will certainly affect the survival of the company itself.The major risks accumulated for a long time will also have a certain impact on the whole society,and may even produce systemic financial risks.Therefore,small loan companies must improve awareness of risk control,improve risk control methods,and optimize risk control system in order to improve their own operating conditions,reduce the bad debt rate,maintain the profit level,continue to survive and develop steadily.The case S company selected in this paper is a typical traditional small loan company.At present,it still uses the traditional credit risk control method,and relies on the manual review and the supervision and restriction between various departments to control the credit risk.By analyzing the current situation of credit risk control of Company S,we find that there are problems in the credit risk control of Company S.First,the risk control concept of S Company is not high enough.Next,starting from the credit risk control process,it is found that S Company has risk control problems in all links before,during and after the loan.Finally,it is found that the supporting business system of S Company is not perfect.Then,According to the enterprise internal control theory,information asymmetry theory and comprehensive risk management theory,the feasible improvement strategies are given for the risk control of S company:first,optimize the internal control and strengthen the risk control concept;Second,for the pre-loan process,improve the risk assessment index library,select indicators according to customer characteristics and conduct customer credit evaluation;Third,for the loan process,strengthen the internal control of the loan process,strengthen the review of the authenticity of credit information through systems and norms,and use the risk checklist to sort out the loan process and review content;Fourth,for the post-loan link,clarify the post-loan inspection content and monitoring requirements,carry out differentiated risk monitoring by effectively identifying customer risk points,and carry out dynamic monitoring and monitoring by implementing loan risk classification management;Fifth,it is suggested that S company optimize the current supporting business system,solve the current pain point problem,gradually establish an intelligent risk control system based on big data,and realize the risk control of all aspects of credit business by upgrading and transforming the information management system.Through the research on the risk control improvement of S Company,a set of risk control system suitable for the development of the credit business of S Company is formed to guide the credit business of S Company.This study can not only help to improve the risk control problem of S Company,help S Company to seek the survival and sustainable development,but also hope to have a certain reference significance for other traditional small loan companies seeking to improve the risk control measures in China.