| Microfinance companies,as an innovative form of financial organization,provide differentiated financial services for different funding needs,which meet the funding needs beyond the coverage of the traditional financial system.In particular they lower the financial service threshold for small and medium-sized enterprises,enterprises in agriculture and rural areas,and individual industrial and commercial households,and meet the requirements of inclusive finance.They have contributed to solving the problem of loan difficulty for small and medium-sized enterprises and promoting rural economic development.This paper analyzes the theoretical basis of microfinance and credit risk management in detail,combs and summarizes the relevant literature,and expounds the current credit risk management status of Changsha Hengfeng microfinance Co.,Ltd.(hereinafter referred to as Hengfeng microfinance company)from three links: pre loan,in loan and post loan,Then,it obtains the problems and reasons of its credit risk management.Next,according to the objectives and principles of credit risk management,the company puts forward improvement strategies for its credit risk management.Firstly,the company will implement the improvement strategy of pre loan credit risk management,mainly including strengthening risk identification and customer credit risk investigation.Secondly,the company will improve the credit risk management in loan,mainly from improving the credit management system Thirdly,the company will improve post loan risk management,including strengthening credit risk control and improving credit risk early warning mechanism.Finally,in order to ensure the smooth implementation of the strategy,this paper puts forward the implementation guarantee measures such as human resource guarantee,information technology guarantee,organization guarantee,cultural guarantee and operation and management guarantee,and The expected effect of the implementation of the management improvement scheme proposed in this paper is estimated.The research provides practical value to the credit management of Changsha Hengfeng Micro-loan Co.,Ltd,improving its risk management,enhancing its overall competitiveness,and operating efficiency.It may promote its smooth,sustainable and healthy development.It can also serve as a reference for other small loan companies of the same type to improve their credit management. |
