Research On Risk Control Management Of Nanjing G Technology Microfinance Company

Micro-loan Company is a new-born thing, which is integrated with the reform of financial and innovation of the financial system in China. The company plays an important part in gathering private capital to carry out the plight of the small and medium sized enterprises financing. However, some credit risks arreared in the future development of Micro-loan Company including market risk, credit risk and operational risk. These credit risks make it more harder to manage in the Micro-loan. Therefore, it is theoretical and practical to research the risk control and management based on Micro-loan companies.The content of this article concludes two parts including theoretical research and practical research. Based on the Nanjing G Technology micro finance company, through the analysis of its business model, architecture and risk control processes, to analyze its presence in the risk control process problems and causes, and propose appropriate countermeasures. Firstly, this article analyzed the relevant risk control theory has been studied home and abroad, including expected income theory, risk measurement theory. Based on the adequate theory, the latter part introduced architecture and operational processes the company's operation and risk control, including the company's basic situation, risk management mechanism and business management processes, and points out the G company on the problems of risk control, including the internal design flaws, credit asset structure is irrational, the sudden increase in the amount of non-performing loans, increasing liquidity risk through Nanjing G Technology micro-loan company field work and data collection.These risks are mainly caused by heavy traffic light breeze control, credit management lax, single source of income, the credit system is not perfect, the threshold more restrictive policy, lack of professionals and so on.Based on the analysis above, this paper proposes the risk control and management countermeasures, which can strengthen the construction of internal risk management systems, including risk management culture training, building organizational structure and systems, improving operational risk management which includes follow-up training of personnel, the former mortgage loans control and optimization of assets structure and post-loan process, strengthening control of liquidity risk, including the expansion of sources of funding and control operating costs, in addition trying the KaiXin Loan business. Micro-loans listed in public is also a way to solve the financing problem, optimizing microfinance product line through innovative credit products, mining more new customers, retaining the old customers, introducting of risk-sharing strategic partners including cooperation and investment institutions, banks, guarantee institutions and rating agencies are all solutions and new energy for the company to expand business and control risks.