Research On Risk Control Optimization Of A Small Loan Company

Small loan companies have played a positive role in promoting the active financial market and increasing the liquidity of the capital market,and have explored a the small loan model with China’s characteristics,which is of great practical significance to solve the problem of China’s financial sector and serve the real economy.With the continuous development of the small loan industry,the business model is gradually clear,more and more service enterprises,the risk of small loans is also increasing,especially in the reality of increasing economic downward pressure,the overall bad loan rate of the industry is on the rise.Therefore,it is of great practical significance to study and improve the credit risk control system of small loan companies.This paper takes the current development of the small loan industry as the background and A samll loan company as the research object,and studies the existing credit risk management problems of A samll loan company.First of all,this paper reviews the status quo of relevant research at home and abroad,summarizes the connotation,main risks and risk countermeasures of small loan companies,and then sorts out the concept and risk of small loan,and puts forward relevant supporting theories.Then,combined with the actual situation,the risks faced by A small loan company are analyzed from four aspects,namely,credit risk control,operational risk control,legal risk control and market risk control.Finally,focusing on the risk control problems existing in the credit of A small loan company,such as traditional credit risk control methods,defects in business operations,lack of litigation processing by professional organizations,and lagging market risk research and judgment,it proposes to construct a comprehensive and efficient credit risk system,improve business operation process,introduce professional consultants and legal institutions,etc.Scientific improvement measures are put forward for the risk control of A small loan company.Through the research on risk control optimization of A small loan Company and taking solving the problem of risk control as the starting point,A small loan company’s credit risk management system is formed,which serves as the basis for the company’s credit business development,risk management and access decision.It is not only conducive to solving the problem of risk control of A small loan company,but also conducive to standardizing the operation of the industry and helping other peers.To our country economy reforming and upgrading and sustainable and healthy development is of great significance.