The Petty Loan Company Credit Risk Assessment And Risk Prevention Study

The petty loan company as a new type of non bank financial institutions, in small and middle-sized enterprise, plays a very important role in individual industrial and commercial households and the "three rural" financing problem, but because of its special loan of loan business of single type, its anti risk ability and risk control ability is generally weak. And the risk of problems with the development as the shadow follows the form of small loan companies, credit risk is an important factor hindering the sound operation of small loan companies, and to create suitable for the petty loan company’s credit risk assessment is very urgent prevention system.This article through analyzing a large number of domestic and foreign loans to small, small loan companies, research theory and practical experience, combined with the author in the petty loan company’s experience, mainly introduces the microfinance and microcredit company nature of the definition, development history and current situation of small loan companies and the problems existing at present, especially the credit risk has become the the important bottleneck that restricts the sustainable development of small loan companies,The results pointed out the existence in the petty loan company’s credit risk and other traditional financial institutions and rural financial organization quite different and has its own particularity, and on this basis from the three aspects of the subject, the object and the petty loan company’s external environment probed into the inner reason of small loan company credit risk, and try to collect the petty loan company customer information with a soft set theory analysis, analysis method to establish the credit risk evaluation system of small loan companies using the feature dimension, and combined with the actual case and the data of ZF micro-credit companies in Fuyang, explanation and demonstration, and finally put forward on the basis of these two aspects from the petty loan company internal and external environment to carry out synergy thus, to establish their own credit risk control system of small loan companies preventive measures, so as to promote small loan company faster, more benign development.