Research Of Risk Management On ZW Micro-finance Companies

Small loan company is by the natural person and natural person， or a naturalperson and the enterprise legal person set up joint investment limited liability companyor joint stock limited company， is between formal financial institutions and privatecapital， a tentative standard financial institutions but at the same time with commercialbusiness entities， to the prosperity of urban and rural markets and the adjustment ofindustrial structure has played a positive role. ZW microfinance place of incorporationis chengdu in sichuan province， chengdu is located in the southwest hinterland， is thecore urban belt in western area. But in the practical work， the most difficult to controland risk management.This paper first introduces the petty loan company the international and domesticeconomic and financial background， this paper expounds the theory of financial riskmanagement， small loans companies risk management research and ZW microfinancecompanies risk management present situation， points out the ZW microfinancecompanies risk management problems， mainly include: incomplete credit riskmanagement organization structure， the lack of accounting and credit business systems;Credit risk management system construction is not perfect， lack of customer creditevaluation scientific; Credit risk management process is not scientific， lack thenecessary credit risk early warning system. Mode of operation showed thecharacteristics of large and concentrated， can not effectively spread risk， etc. Then，in this paper， the ZW microfinance companies risk management problems areanalyzed， mainly including: social restrictions on the policy environment and thesocial credit system is not sound， internal risk management awareness and basicknowledge is weak， lack of internal risk management culture， control measures areimperfect， lack of professional risk management.On this basis， this paper puts forward the ZW small loans company riskprevention measures， mainly include: to strengthen the construction of organizationsystem and the related setting， strengthening the construction of post evaluation anddecision system， optimizing the credit review before the business process，strengthening the credit investigation and audit， strengthen the cultivation of professional talents， establishing the risk early warning and risk compensationmechanism， establish risk responsibility mechanism， establish the risk rating system，such as opinions and Suggestions， in order to reduce the risk of ZW company loans，and so on. In the end， the author of the full text is summarized and prospected.