The Research For Credit Risk Management Of Nanning CJ Micro Credit Company

Since 2005, The People’s Bank Of China implemented a pilot plan to develop micro credit companies. The bloom of those micro credit companies not only provide operational guidelines and standard for private capital lending platform, but also support small medium enterprise to solve the financing problem. In nowadays, micro credit companies become an important supplement to Chinese financial system. Therefore, deep research for credit risk management has a critical significance. Whether a micro credit company can operate standardized and grow steady, depends on the performance of its credit risk management.This paper divides into seven parts to study credit risk management of Nanning CJ micro credit company. First of all, this paper points out the background and significance of the research, and briefly introduces the domestic and foreign theory of credit risk management. Then, the author proposes the research method, innovative thought, and inadequacies. The second part introduces the concepts and theoretical basis of credit risk management of micro credit companies. Third, this paper points out the specific analysis of Nanning CJ micro credit company, especially for its credit risk management. Fourth, this paper focus on the credit risk management problems of Nanning CJ micro credit company and the causes. Fifth, the author proposes to build a new framework of credit risk management. Sixth, this paper advises that how to make such credit risk management operates perfectly. Lastly, the author summarizes the thesis and points out the future of micro credit companies in China.