| As a new principal part of local financial market,A regional 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 A developed fast and gradually expanded to the business of micro-credit company,which brings new development oppoturnities 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.This article first introduced the research background of microfinance,on the basis of combing the relevant theories of risk management,using the methods of quantitative analysis,analyzed the present stage A region of small loan companies in the Internet new risks facing the financial background,and the main problems are mainly expressed in the aspects of credit risk management,pressure increase of liquidity risk management,complication of operation risk management and construction of risk control department..The followings are detailed suggestions:enhancing credit risk management and internet finance credit rating system;expanding the financing channels of micro-credit companies with the help of internet finance and reduce liquidity risk;establishing 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. |
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