Research On The Risk Management Of Small Loans Of Fishermen

The micro credit risk control mechanism is scientific and effective,is the key to improve the risk management level of small business loans of the fishermen,but also the development of the smooth realization of the "three fish" economic and financial support and the guarantee of socialist new rural construction.However,there are still a lot of problems in the risk management of small loans in China,which hinder the development of small loan business and the rapid development of rural economy.This paper takes Longhai City Gangwei fishermen microfinance risk management as a typical case,in accordance with the research methods of "putting forward the question,analyzing the question and solving the problem",the status of risk management of small loans Longhai City Gangwei fishermen and problems in-depth analysis.First of all,the relevant research results of domestic and foreign microfinance and microfinance fishermen to sort out,on the basis of research results at home and abroad,combing the related knowledge of small loans,small loan risk management,the risk management theory based microfinance.Secondly,combined with the Longhai City Gangwei fishermen microfinance development status,the main problems of Longhai City Gangwei fishermen,small business loans are analyzed,summed up the risk management scheme of microfinance in Longhai City Gangwei fishermen and fishermen of Longhai City Gangwei microfinance risk management problems are analyzed;finally,to optimize the design the fishermen microfinance,and proposed the government to speed up the fishermen microfinance risk management measures.This paper analyzes the present situation of risk management of small loans Longhai City Gangwei fishermen and problems,can provide practical guidance for Longhai City Gangwei fishermen microfinance business development,and has an important guiding significance for the other regions of our country fishermen microfinance risk management.