Research On Risk Management Of Micro Finance Project

For risk in microfinance, CangXi tried to control and prevent rural credit cooperatives, but CangXi as local financial institutions, rural credit cooperatives has the ability of their own limitations, to good use of foreign advanced risk control mode, system, it is not feasible to directly use of foreign experience. At the same time, the domestic some experience of banking institutions also have control risk, but there are certain defects in the experience, it is difficult to directly applying, and can only be taken as reference to the actual risk control. So, to establish effective micro finance risk prevention control system for CangXi long-term sustainable development of rural credit cooperatives is imminent.This paper discusses the relevant theories of project management and risk management, the paper analyzes the current situation of rural credit cooperative microcredit projects CangXi, points out that CangXi problems existing in the rural credit cooperatives microfinance project risk management:credit client risk identification; The weakness of post-loan risk monitoring; Risk management of human resources; The lack of advanced credit risk management culture. On this basis, the construction of microfomance project risk management system, and carries on the system design should be from the following aspects:establishing the microfinance project risk assessment system; Establish an effective inspection and internal auditing system; Establish microfinance project risk early warning management system. The design of the contents should be from the following aspects:establishment of an independent credit risk management; Perfect the internal credit risk management information system; Strengthen routine supervision and regular microfinance project risk monitoring. Finally, CangXi rural credit cooperatives microfinance project risk management system implementation are discussed, CangXi microfinance project risk management system of rural credit cooperatives after implementation, CangXi rural credit cooperatives microfinance project of non-performing loans, net interest rate of return, capital risk ratio and customer satisfaction have been improved; CangXi since the implementation of rural credit cooperatives microfinance project risk management system to promote the efficiency of project risk management, and the borrower credit evaluation accuracy of ascension, for CangXi rural credit cooperatives microfinance development play a role in promoting.