Ningxia Fushan Small Loans To Credit Risk Management Research

Micro-loan Company is a new-born thing, which is integrated with the reform of financial and innovation of the financial system in China. The company plays an important part in gathering private capital, guiding private funds to carry out the plight of the rural, small and medium sized enterprises financing. But further sustainable development has been limited because of credit risk. Credit risk in micro-loan companies include natural risk, market risk and credit risk from customers, which also include operational risk, capital risk, interest rate risk from companies themselves. These risks connected together to make it more hard to manage these risks. From the essential characteristics, they also can been controlled. Therefore, research both has theory meaning and realistic meaning, which based on credit risk about micro-loan companies.This article analyses the credit risk of Fushan micro-loan company in Ningxia deeply, and carried out a series of management control upon credit risk That is, risk identification, risk assessment, risk control, risk measurement and risk report. Then analyzed how can been the problem happen. According to its own problems, we established a set of risk management system to make Fushan micro-loan Company’s development sustainable and stable. This system include four parts:Credit organization management system, credit funds management system, credit supervision management system, credit products innovation system. In order to make this system effectively implemented, this article put forward some specific risk management recommendations and measures to Fushan micro-loan company, which include strengthening the management measures, normative capital management, establish the supervision system and the development of credit products, trying to provide guidance and reference significance to the Micro-loan Company credit risk management.