Study On Risk Management Of Guangxi Micro-credit Company In Situation Of Development Of Internet Finance

As a new principal part of local financial market,Guangxi micro-credit company with the characteristic of "small,flexible and quick" fully plays an important role in differentiation advantage,and provides financial support for local "countryside,agriculture and farmers",small and medium enterprises and self-employed and private businesses,being useful help for financial market,and promote to build local Inclusive Financial System,stabilize local private lending rate,and maintain the stability of local financial market.With the rapid development of science and technology,internet finance of Guangxi developed very fast,and gradually expanded to the business of micro-credit company,which brings new development opportunities for micro-credit company.Meanwhile,it also brings more uncertain risks.How micro-credit company manages risk has become the top priority of the company operating.There are five chapters.Chapter one is the introduction with the context and meaning of this thesis,and related research achievements of domestic and overseas.Chapter two reviews the relevant theories of risk management.Chapter three analyzes the internet financial development situation of Guangxi,and under this context analyzes the new changes of Guangxi micro-credit company.Chapter four analyzes successful experiences of domestic micro-credit Company and makes conclusion.Chapter five gives suggestions on the base of successful experiences learning for effective risk management of Guangxi micro-credit company to integrate into internet finance.The followings are detailed suggestions:enhance credit risk management and internet finance credit rating system;expand the financing channels of micro-credit companies with the help of internet finance,and reduce liquidity risk;establish active risk management mechanism;attempt to introduce big data risk control technology to improve risk management efficiency;advise industry association and supervision department to guide micro-credit company's daily work for risk management;enhance the employs' quality and build the professional team for risk control.The new trait of this thesis is that research target is very clear and useful.However,due to tight schedule and limited personal skill,there are some shortcomings,such as obvious local feature of this research,imperfect suggestions and so on.