Research Of Credit Risk-control About C Company

With the further opening up and reform of China's economic restructuring and development, financial sector reform and development related also entered a new stage, a variety of new Internet financial model has been developed by leaps and bounds. However at the end of 2015, some P2 P companies break a contract and escape, which expose the risk of P2 P industry as a new mode. What is Internet banking technology or finance? Now only questioned and disaster. In my opinion, the first Internet banking finance, financial is it's nature: one with profit funds targeting specific business, the core is inseparable from the financial- risk control. Even in the international arena, P2 P is also considered a birth defect controversial financial model, and then a few years ago China has strongly advocated the development and totally ignore the huge risks inherent defect, which is discussed in the third chapter there. This article is under such a situation unfolding argument.In C's case, this article focuses on the microfinance industry macro-control issues and corporate credit risk microscopic level of credit risk control issues. In theory, the two main risk control problem for large credit microfinance sector, microfinance world-class problem: lack of credit and asymmetric information. The second chapter focuses on the macro-industry credit risk control problems, the United States and Japan and South Korea introduced the use of insurance credit guarantee insurance companies dominated government guarantees supplemented to adequately address this issue macro risks, and then introduced China's central bank and just peace microfinance conducted in various parts of the case to ensure the successful pilot. Then in the fourth chapter, focusing talk about the problem of asymmetric information, and solve the problem of asymmetric information brings microfinance bad credit risk, and introduced the famous Grameen Bank solidarity group lending technology and analyzes its low bad debt Game whole process rate.Text around C small loan company's credit risk out of control, repeatedly uses the data model and field survey research method to analyze the company's credit risk for various reasons, pointing out the main causes of risk. Finally, the micro and macro level two solutions.Concluded, risk control microfinance industry innovation model should be-Condominium Model Silver government insurance, and make a reasonable prospect of small loan industry bright prospects. Also mentions the healthy development of small profits microfinance industry to poverty alleviation and development of the cause of great value, but also for China and human useful attempt to narrow the gap between rich and poor, the industry also has a social significance for the ultimate goal of socialism —Common prosperity. Microfinance for the first time to achieve the dream of financial civilians, countless civilians to build numerous financial ladder of upward mobility, the initial realization of fair and equitable social development, the harmonious development of mankind ultimately provide an important guarantee of funds.Inadequacy of research in several ways: First, the lack of government intervention risk control bancassurance model innovation reasonable demonstration, continued research on its reasonable policy recommendations is not enough. Second, on microcredit guarantee insurance related to domestic research the feasibility of the lack of concrete evidence and argument sufficient data. Third, bank increased the amount of funding for microfinance, risk management and control difficult not enough estimate.