Research On The Improvement Of Business Risk Control Of AX Small Loan Company

In recent years,with the deepening of economic reform and the development of market economy,small loan companies in the financial system has become increasingly prominent,not only for private capital into the financial field provides an important path,but also for small and medium enterprises financing difficulties found a new solution.In the context of the increasingly prominent issue of financial risk,the level of risk control is an important criterion for measuring the level of enterprise management.Risk control for the sustained and healthy development of enterprises to provide a strong guarantee,it is through the business process control,to achieve operational efficiency purposes,in the corporate governance occupy a pivotal position.However,Chinese small loan companies started late,the mode of operation is not mature enough to control the risk of micro-credit companies is particularly important.Therefore,it is of great significance to construct a risk control system which is suitable for the characteristics of the microfinance company,and to control the risk within the affordable range.Based on the theory of risk control,this paper analyzes the current situation of business risk control of AX Small Loan Company through the methods of literature research,investigation and analysis,case analysis and other research methods,and finds that there is a lack of pre-loan reasonable planning in the company's business risk control system,loan operation risk process rigorous lack of loan risk early warning mechanism and the lack of practical problems.In view of these problems,the author analyzes the reasons and puts forward the corresponding improvement suggestions,including the following:before the loan,the reasonable planning of the loan portfolio,improve the risk assessment method;in the loan,rigorous operation process,to prevent the risk of bridge loans;to strengthen the construction of information technology,the establishment and implementation of information reporting system;in the management team,improve the quality of employees,to establish the quality of the workforce,and to improve the quality of the staff,good sense of risk,and clear internal incentives and accountability mechanisms.The purpose of this paper is to improve the level of business risk control for AX Small Loan Company,form the system risk control system and enhance its market competitiveness.