Research On Risk Control Of GS Small Loan Limited Company In Harbin

In 1970 s,under the initiative and efforts of the economist Yunus,the world's first professional microfinance institutions-Bangladesh Rural Bank was established in South Asia bangladesh.The establishment of one of the institutions,not only to improve the domestic financial system in Bangladesh,the domestic disadvantaged groups to solve the problem of financing has played a huge role,but also has been the concern of the world.This innovative microfinance model for the world to improve the financial system to solve the financing problem of vulnerable groups set an example.In China,the form of micro credit institutions are small loan companies.The main object of the small loan company credit business is small and micro enterprises,individual industrial and commercial households,agricultural areas and natural persons as the traditional financial institutions to marginalized groups.There is a small loan company and development,to improve China's financial system,promote the reform of financial management system and solve the financing difficult problem of vulnerable groups has played an irreplaceable role,to fill the gaps in the formal financial institutions and private lending quality inspection.Get weak economic entities in the industry of small loan companies recognized,the rapid development of the industry at the same time,some problems have a negative effect for the existence and development of the industry,one of the main problems is the small loan company for risk control are inadequate.The author chooses Harbin GS small loan company as the research object,through the field investigation on the GS small loan company and the investigation company risk control process,describes the present situation of risk control,the existing problems are introduced,including: risk management organization structure is not complete,risk control of credit business process defects,control measures on the credit risk of individual clients is simple,cannot cover all risks,the lack of perfect customer credit evaluation system,risk assessment and accountability system,lack of loan concentration degree is high,contrary to the "risk control concept of several small,scattered".Through the analysis of the risk control problem,find out the reasons causing the problem mainly includes: the policy of small loan company limited,customers are weak,lack of professional risk management,risk culture,lack of talent etc..Finally,combined with the advanced experience in the industry,and puts forward some countermeasures for the company's risk control mainly includes: broaden the financing channels,improve the company management structure,establishing an efficient and scientific credit business process,the establishment of risk assessment and accountability mechanism,establish and improve the customer credit evaluation system.