The Research On Risk Management Problems Of Small-loan Trust Business

With the continuous development of China's Trust Industry,innovative trust products are emerging in an endless stream.At the same time,financing bottleneck has been an important factor restricting the development of small-loan companies.In this context,small-loan companies have sought a new financing channel.They achieve the rapid return of capital funds and earn more profits by financing through a trust product which packages the loan assets.However,due to the uncontrollable nature of small-loan companies and the limitations of the existing laws and regulations,small-loan trust business is faced with many risk management problems in the process of operation.To solve this problem,this paper chooses the Sunflower No.3 Small and Medium Enterprise Trust Project of Jingu Trust Company as the object.By summarizing the domestic and foreign scholars' research results and relevant theoretical knowledge,this paper analyzes the causes and reasons of the crisis.The above research and analysis show that the main causes of payment issue of small-loan trust business are the problems in the management of risk control.The problems here not only exist in small-loan companies,but also in guarantee companies and trust companies.At last,this paper puts forward some reasonable suggestions on the existing problems of risk management of small-loan trust business.