Credit Risk Management Of NingXia Bao Yuan Small Loan Corporation

Commercial loan company in China in recent years was formally established, not only to absorb public deposits, loans new mechanism. The petty loan company operation is the key to the control of credit risk management, risk control level directly influences the petty loan company’s survival. Microfinance is China’s rural financial system an important innovation act. The Ningxia Hui Autonomous Region at the end of2006started a pilot micro-credit company, once the loan demand exceeds supply situation. But as this one newly emerging things, commercial microfinance companies in the past few years in the development process also exist some problems, among which the most prominent is the credit risk management problem. How to strengthen the risk management, and promote the healthy operation of small loan companies, is currently the most important challenges. In this paper according to the source of treasure of Ningxia of the petty loan company’s own development and in the other company site visits on the basis of research, analyzes the problems in the risk management, and puts forward some countermeasures and suggestions for risk prevention. Risk management is the core of management of western commercial banks. In the traditional banking business management process, risk management component is heavier. Through the risk management, the bank can be reduced as a result of business, changes in the market and personnel turnovers and may result in the loss of. In1997the Basel Committee on banking supervision in its" corprinciples for effective banking supervision", will be the first time the bank risk reduce credit risk, the state and the transfer of risk, market risk, liquidity risk, interest rate risk, operational risk, legal risk and reputation risk. In2004the Swiss Basel Bank Regulatory Commission promulgated the" unified measurement and capital standards:a revised framework" international agreement. Although the pilot micro-credit companies in good condition, there is no obvious risk event, but as the currency capital of the company, or the risk can not be ignored. Ningxia Bao source of micro-credit company on credit risk management backward or deletion, set up in a few years exposed many problems. Therefore, to be healthy, stable and sustained development, Schroder company must use the commercial bank or other small loan companies advanced credit risk management experience, improve the credit risk management mechanism, enhance credit risk management ability.The content of this article is from the two aspects of theory and practice, the source of treasure of Ningxia of small loan company risk control management research. The front half part is the theoretical part, the first is to define the concept of small loans, and then introduces the micro-credit and micro finance research status and credit risk management theory. The second part is practice, mainly on the basis of the Ningxia Bao source of micro-credit company the actual situation of the commercial bank credit risk control experience, to treasure source company risk control and management of existing problems, and This paper put forward to promote the healthy development of the Company Bao source risk management policy recommendations.