Risk Management Of The Microcredit

Now, Small enterprise and micro company are very difficult to financing, The high cost of financing is hindering Chinese economic transformation and development, it is one of the universality problem. At present, the business status of micro, small and medium enterprises, problems of shortage of funds is outstanding, is the important fields in the recent and future national economic policy. The state shall encourage the folk capital to participate in or sponsor set up village Banks, loan company, rural capital, financial institutions, s the important fields in the recent and future national economic policy. Financial capital should support the development of small micro enterprise, to provide sufficient funds for immediate funding needs, and reduce the cost of financing.Especially in the middle of the current emphasis on financial reform, under the background of macro policy fine-tuning, multiple measures and related departments to improve micro, small and medium enterprises financial services. As small and medium-sized enterprise financing as the main business of guarantee agencies, in terms of microfinance institutions, countries frequently for backed micro, small and medium enterprises development, solve the micro, small and medium enterprises financing difficulties of good policy, providing a broad market spaceSmall loans to support economic development. Microcredit is a very important part of social and economic development, social and economic development needs the support of the real economy, the development of large state-owned enterprises to grasp the national economy, a large private enterprise also boost the country’s GDP continue to rise steadily, and an active and steady state of the economy development, also need the mini, small and medium enterprises is very little for the mini, small and medium-sized enterprises to provide a service of financial institutions, the main reason is the amount is too small, too trival, working cost is too high, most organizations had not mastered the technology of small loans, become the bottleneck of business promotion.Financing right, everyone is equal!To solve the poverty issue small loans. Although in the sustainable development of economy in China, but there are still a large part of poverty, the poor also need different types of financial service, small loans to improve the low income people’s economic condition, in fact many economic strength more bad of the customers, because they cannot obtain financial services, will be very cherish the difficult financing opportunities, very hard to repay the loan of credit, so business is sustainable, make small loans have a lot of vitality, can dramatically increase the effective demand of society as a whole, promoting social investment production and national economic development.Through a large amount of literature collecting, sorting and identification, to get to the current research topic of microfinance theoretical support and guidance, to advance the study on the analysis of the problem of microfinance. By looking up related documents and books, comprehensive and systematic understanding of the problem of theoretical basis, research progress and current situation of the development. And in combination with related literature at home and abroad, analysis of actual case, multi-angle, wide field, systemic perspective analysis of concrete problems, the related system system links need to be improved. Through content analysis at present small loans of the results of the survey and collect data such as content analysis, column facts, put on; Combination of theory and practice, in order to better find the problems existing in the development of microcredit, now find the countermeasures to solve the problem. Combined with practical experience in microfinance, will analyze the problems in the practical work, the combination of theory and practice to analyze the problemThis paper first expounds the microfinance development background and research significance of microfinance, and analyses the important position in the microfinance risk management. This paper mainly analyzes the concept of credit risk management in the factory, and from the development of microfinance process for the analysis of related business what each link should be to control risk. These links include credit markets, to accept the customer’s credit application, project manager for loans, credit investigation, credit audit personnel review on lending, credit management in distributed and post-loan management of loans. Also analyzed the impact of microfinance some other key factors.Thesis research results as follows:small loans as part of the financial innovation, promote the development of the economy. But microfinance model in our country has not yet mature, especially risk management as the core part of microfinance, controls the deficiency can lead to financial risk. But microfinance risk management is a unique management model and management methods, as long as the complete risk-control measures, the risk of microfinance and even lower than the bank credit risk.