Xi'an GX Microfinance Company Loan Business Risk Management Optimization Program Research

Small loan companies as a kind of organizational form of folk capital into the financial sectors, got rapid development in recent ten years. from the distribution of Shaanxi Province small loan companies in 2013, most of the loans on real estate developers, construction units, steel trade enterprises, etc. But, as the change of national macroeconomic regulation and control of the direction and market growth slowed, microfinance loans outstanding defective rate rise gradually, risk concentration, embodied in the policy risk, management risk, operation risk has appeared different degree of increase. Small loans to the sustainable and healthy development of the company, therefore, give full play to its positive role in market economy, the microfinance loans business risk identification and assessment, and put forward measures to respond effectively to the loan business risk is especially urgent.This paper through quantitative research method, literature survey method, field survey method and other research methods, Taking an example of Xi’an GX small loan company, by analyzing the current situation of the development of its business, identify the problems existing in the current loan business risk management, including the loan risk management process is unscientific, unreasonable organization structure, post-loan management does not reach the designated position, the responsibility mechanism is not clear, unreasonable credit structure, etc.; And then analyze the causes of problems, including lack of professional risk management talent, weak risk awareness and risk control and operation index difficult to achieve balance, choice of market and customer orientation are not clear and so on. Finally, the risk of loan business of the current from the aspects of risk identification, risk assessment, risk prevention put forward optimization measures, improve the loan risk management institutions, to strengthen post-loan management, establish and improve loan risk responsibility identification mechanism, optimize the credit structure, decentralized optimization measures such as loan risk.Significance of this paper lies in:from the whole process of the loan and Xi’an GX small loan risk management process, the department set up, the credit structure to talk about the distribution of loan business risk management; At the same time, to improve the risk management system and organizational structure, establish customer credit risk evaluation system, perfecting the credit system and improving the capacity of disposal of non-performing loans and other measures to reduce loan risks. In this paper, the other small loan companies to build effective loan business risk management system has a reference value.