Study On The Loan Quality Management Of A Small Loan Company

In recent years, Shenzhen microfinance industry has been developing rapidly. But over the past two years, non-performing loan ratio is climbing and the situation of loan quality management is not optimistic.This paper analysis the status of A company's loan business process and department allocation of loan quality management. It is found that some problems of loan quality management need to be improved, including five aspects of loan quality assessment such as the standards, dynamic monitoring, classified processing, process strategy and credit culture. By the analysis of these problems, it is found that these issues are the result of the relatively backward standards, lacking of dynamic monitoring, unreasonable department allocation, cooperation and communication problems, unclear management system and the low efficiency of employee feedback mechanism. In view of the specific situation of A company, this paper puts forward a concrete scheme of improving the current loan quality management, A company's loan quality management plan, in order to solve the problem of high rate of overdue loans. Through the analysis of the core and risk points of A company's loan quality management scheme, and to demonstrate the rationality of the scheme, the feasibility of the scheme is further established.The research of this paper reflects the loan quality management situation of small loan industry, and provides the relevant management strategies for small loan companies. It will play a positive role in improving the loan quality management system of small loan industry.