Research On Loan Risk Management Of Gaoke Small Loan Company

Abstract:Since2005, China has begun to pilot small loan companies. After then small loan companies appeared everywhere. Gaoke company was one of the first batches in Changsha City who got the pilot-qualification. How to remain sustainable development position in the intense market competition, the primary task is to build film risk management system. Therefore, Gaoke and other small loan companies need to solve such problem as how to do a good job in the management of credit risk.This article takes Gaoke small loan company as the specific research object, through quoting theory of bank credit and crisis, the financial fragility information economics theory of adverse selection and moral risk, commercial bank credit risk management theory as the foundation. It analysis Gaoke’s present situation of credit risk management. Paper follows the train of "ask questions-analysis problem-problem solving". First, paper puts forward the problems:being lack of credit risk management culture, incomplete system, imperfect organizational structure, incomplete execution, as well as the lack of staff stability. Then analyzes the reasons behind these problems. It mainly dues to the weak internal risk control, shortage of risk assessment technology, shortage of management and technology talent, unsmooth information communication, and lack of internal supervision and detection mechanism. Finally, puts forward the solutions to establish a set of credit management system in conformity with the Gaoke company. It is divided into four modules:risk culture system, the risk management framework system, a complete system, risk responsibility system into consideration. In order to make the risk management system implete effectively, this paper puts forward the concrete measures and suggestions. There are mainly to strengthen the construction of enterprise culture construction, to conduct a comprehensive system, strengthening the staff business skills training, set up internal supervision and inspection mechanism, strengthen the responsibility.