QT Small Loan Company To HJ Company Failure Case Study

Small loan company is an important part of private financial institutions in our country,they widen the financing channel of small miniature enterprise and relieves the problem of small and medium-sized enterprise financing difficulties. To provide the market with liquidity, promote the development of the real economy.But in our country they started late, the management is not perfect.And compared to the banking, securities and other financial institutions, folk financial personnel quality is low, relevant knowledge of financial reserves is limited, These folk financial institutions face some risk. For example, loans before the audit is not enough comprehensive is rigorous, during the course of the loan lenders supervision is not enough, have a significant impact on credit company, need to strengthen risk management and risk management technology innovation consciousness. Therefore, carries on the research and analysis in theory and has important meaning in practice.The article adopts the method of case study, selected QT microfinance company as object of analysis. First of all QT petty loan company failures are described in detail, including QT company's basic situation, the basic situation of HJ company, before the credit loan post-loan cases in the whole process of development, Revealed a typical small loan company failures. Secondly, combining with the introduction of the case above, seize the main problem point on the profound analysis, it is concluded that this internal and external factors are reasons for the failure of the conclusion. As the external factors :one is when the macro economy downward pressure, economic development is slow down,all walks of life are suffered from shock; the second is HJ company moral hazard is also an important reason, in violation of the provisions of the contract the loan funds used for any other purposes. As internal factors, in this paper, it is mainly from loans, loans and loan before QT after the company's risk control and grasp the main contradiction on the system of the whole company, analysis the QT the internal cause of the failure of the small loan companies: one is before QT microfinance company credit audit not rigorous; the second is QT microfinance companies ask post-loan management loophole; the third is the lack of early warning mechanism QT company; the fours is the QT company staff quality is not high and the risk prevention consciousness is weak.Finally, through the case analysis of the loan failure, summed up the work on QT microfinance company to carry out some experiences and lessons in the process of, and about how to control and reduce the risks associated with such made countermeasure and the suggestion, Including to improve the overall risk control personnel quality, strengthen the customer credit evaluation and audit, optimizing the credit risk management process, to establish risk early warning and risk compensation mechanism, and strengthen the after before loans, loans, credit risk management, etc. For small loan companies better risk management work provide certain guidance and reference.