Research On The Optimization Of The Internal Control System Of Small Loan Company

Small loan company is to point to by a natural person investment, enterprise as a legal person or other social organizations, and by the financial regulatory approval to set up registration, on the premise of not absorb public deposits, small business credit loans, small guarantee service, provide financial advisory services limited liability company or joint stock limited company of the business. In recent years, with the rapid development of the microfinance industry, are gradually release the vitality of the folk capital, and at the same time also reflected in the development process of small loan companies constantly exposed problems to be solved. In 2011, the central bank monetary policy tightening and an appreciation of the renminbi, against the background of the financing difficulties of small and medium-sized enterprise capital chain rupture caused the failures and the resulting mortgage risk makes some areas of small loan companies gradually encountered due to a lack of internal control system in the backward management level, and caused a series of problems such as weak anti-risk ability of the company, and then the consequences to local small micro enterprises and people’s life has caused negative influence, to local microfinance industry gave a heavy blow, also for the microfinance industry the internal control of the wake-up call.Small loan companies in C, for example, build with operation, comprehensive and can be widely applied to internal control system, help company C and other small loan company better prediction, control and avoid the risk of internal, enhance their own competitiveness, in the increasingly complex financial markets Zhongping steady, healthy and sustainable development. In order to ensure the sustained and stable operation at the same time, perfect internal control system can also promote small loan companies better for small and micro enterprises, farming households service, maintenance of small and micro financial market and the private lending market compliance in accordance with the law, fair market order and to promote the norms of the growth, maintain economic virtuous cycle and small micro enterprise benign competition. In addition, with the development and growth of small loan companies, but also for the local economic development and solve the problem of employment has played a positive role. The innovation of this article is to beyond the traditional internal control system, the accounting standard as the main internal control measures, proposed the establishment of small loan company department, integrated office, legal department: by the business sector, wind control of internal control system, loans in the entire operation process(including pre loan control, credit control and credit control) to the internal control, and elaborated on these links should be doing to regulate the flow and matters needing attention.