| The emergence of micro loan companies has effectively supplemented the coverage of traditional financial institutions in China.It centralizes,allocates and dispatches private funds by reasonable and legal means.On the one hand,it has effectively solved the problems of financing difficulties of the "three rural" main body and shortage of capital chain of small and medium-sized and micro enterprises in China,on the other hand,it has laid a solid foundation for improving the national financial system and regulating and guiding private financial capital in China.China’s rapid economic growth has continuously stimulated the flow and demand of social funds,In particular,the demand for micro credit has expanded the scale of micro loan companies.During the pilot process of more than ten years,micro loan companies have experienced 2 stages of explosive growth and rapid decline,and are now moving towards the stage of adjustment and transformation.However,the high non-performing loan rate and the related problems caused by it have gradually emerged.Over the past few years,unemployment loans and unemployment loans have increased in microfinance,which makes the control and sustainable development of the entire industry face new challenges.The main income of small and medium-sized enterprises is loan interest income.The level of debt reserve directly affects the credit scale of enterprises and the interest rate of related loans,thus affecting the company’s operating capacity.The non-performing loan ratio reflects not only the loan quality of the company,but also the economic quality of a region.Looking back at the 1,990 s of the last century,the sub loan crisis broke out,which engulfing the global financial market and leading to the global economic downturn.The main cause of the crisis is the high non-performing loan rate of the US housing mortgage.Therefore,the high non-performing loan ratio reflects the hidden risks of the regional economy.For the credit industry,if we can not do a good job in reducing the bad and avoid financial risks,the enterprise and even the entire social financial ecology will fall into a vicious cycle.Therefore,small loan companies should spare no effort to complete the collection of non-performing loans,and collect the existing non-performing loans faster and better,which is the key to the sustainable development and high-quality development of the entire small loan industry.In recent years,Nanjing S micro loan company has been dragged down by the burden of non-performing loans,resulting in a downward trend in operating indicators.Improve the bankruptcy rate of enterprises,on the basis of on-the-spot investigation,the company tried to optimize the collection method of its non-performing loans.Firstly,concept and classification of microfinance loan,and summarizes the theoretical basis of loan customer relationship theory,asset restructuring theory,information asymmetry theory,etc.Secondly,the credit business operation,loan quality,distribution of loan subjects,collection status of non-performing loans of S micro loan company in the 4 years of 2,017-2,020 are analyzed and studied.It points out that there are some problems in the collection of non-performing loans,such as single way,low efficiency and high cost,difficulty in realization of debt assets,passive collection attitude,etc.Then find out the reasons for the problems in the above-mentioned clearing work.Finally,the paper puts forward the countermeasures and suggestions on how to optimize the collection method of non-performing loans of Nanjing S micro loan company from the aspects of learning from the collection idea,innovating the collection method,strengthening the cooperation between the government and the judicial department,and improving the internal management mechanism.This research can play a theoretical guiding role for the collection of non-performing loans of S micro loan company,and also hope to inspire and learn from other micro credit risk prevention and control and non-performing loan collection work. |
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