Analysis Of Micro-credit Company’s Risk Control Experiences

With the deepening of economic and social development and reform of the financial system, micro-credit companies develop rapidly in our country. In the development process of micro-credit companies,they also face many internal and external risk factors.Many micro-credit companies are facing more problems of capital losses due to their improper control of risks.Internationally, the U.S. sub-prime mortgage crisis, the impact of the European debt crisis intensified;interiorly,Wenzhou private lending crisis, Ordos credit crunch crisis.These factors are not only threaten the future long-term development of the commercial small loan companies, and wake up bell sounded for the commercial small loan companies.Based on the field investigation of Jiaozhou Haifeng micro-credit limited company,this article introduces the details of the situation and achievements of the company.In this foundation, this article unifies the the actual situation of the company,and based on the information asymmetry theory to analyze the different risk conditions that the company is facing,summarizing the risk control mechanism to the different risk profiles,provides the model for the for the micro-credit company’s development.This article is divided into five parts regarding the actual situation and successful experience of Jiaozhou Haifeng micro-credit limited company,according to the logical organization of "achievement-concrete method-successful experience "to form writes.This article thinks that the successful experience of Haifeng micro-credit limited company is the effective summary under the existing environment and policy,it adapts to the initial stage that the micro-credit company has developed to a certain extent. With further development of micro-credit companies in China, which is similar to the Bank’s risk control technologies will also be replaced by a specialized micro-credit risk control techniques.