Yunnan HY Small Loan Company’s Business Development Research

The development of micro-credit Companies, providing companies a new way to solve the difficult problem of effective funding sources, create favorable conditions for solving the three problems. But in terms of the nature of corporate profit-driven companies’internal management turmoil, resulting in arbitrary collection of service charges and management fees are common occurrences. Micro-credit Companies’ development is too fast, as the market continues to expose the depth of potential problems. Lower the threshold for small loan companies, the amount of its payment of a single loan is generally larger, and lower the proportion of loans and three rural areas related to their original dispersion principle have greater access. In addition, small loan companies to raise funding shareholders rather than the public, there is uncertainty, business, business areas are subject to certain restrictions. In this paper, HY small loan companies, for example, drawing on theories and research achievements at home and abroad many well-known scholars, based on the integrated use of the assets and liabilities of integrated risk management theory and principal-agent theory of domestic and international micro finance business model of a simple comments, extended to Yunnan universal model of development of small loan companies and from the development of small loan companies, and analyzes the HY micro finance company operating in the development process of the problems, and make recommendations to address these issues, small loan companies to improve on our shortcomings and adjust business strategy has an important reference.