Research On Risk Management Of A Micro Credit Company In Xi'an

At the end of 2005,China's first commercial microfinance company set up,then the small loan company has obtained rapid development,has injected a new power for China's financial market,to promote the perfection of financial market in our country,mainly reflected in: first,expand the small and medium-sized enterprise financing channels,convenient loan procedures,expansion the business form;second,to a certain extent,to curb the illegal development of private lending in the past;third,the town of financial intermediation,provides a way to make loans to farmers,rural economic development has been further improved;fourth,to ease the employment pressure and increase revenue has played a positive role.In general,small loan company is in addition to traditional bank credit and effectively meet the development of basic credit demand small,scattered,short-term,unsecured on it,by focusing on a large number of civil idle funds,and promote the healthy development of social economy.However,as a newly emerging financial institution,microfinance companies also face many risks,such as credit risk,profit risk,liquidity risk,system risk and potential internal risk.The purpose of this paper is to find out the existing problems through the research of risk management of microfinance,and put forward targeted control strategies,so as to enable our small loan enterprises to develop in a long,healthy and orderly way.From the perspective of risk management of microfinance enterprises,this paper systematically studies the risk management of A small loan companies in Xi'an based on the theory of portfolio and risk transfer.A in Xi'an microfinance company risk status as the research object,through the study,put forward the concrete microfinance enterprise risk management principle and measures,establish scientific and systematic risk management system,enhance the anti risk ability of small loan companies,small loan companies to evade the risk to play a supportive role in the core.In order to provide a certain sample value and reference value for the risk management of the same kind of small loan enterprises in China.