Research On Credit Risk Control Of Alaer Micro-loans Companies In Alaer City Of Xinjiang

Since 2005,China's central bank launched a small loan company since the pilot,micro-credit companies in China's rapid development.The establishment of a small loan company is good for solving those problems,for example,SME loans are difficult,the guarantee is difficult and high loan's costs.And it is good for achieving regional economy,prosperity of rural financial markets,increasing the "three rural" investment and supporting for small and medium enterprises.At present,in order to achieve sustainable development,Chang long small loan company must be in a crisis in the market to do the risk of control work.As a credit institution,its main business is the credit business,and the credit business will inevitably be the risk of operation,so the credit risk control will become the Alar City Longlong small loan companies need to deal with the main risks.This paper takes Changlong small loan company as an example,summarizes the main problems and causes of credit risk management of Changlong small loan company through the basic profile of the company and the credit risk profile.On this basis,The principles and objectives of the construction of the microfinance company's risk management system,and the concrete construction and improvement measures.The full text consists of six parts.First,introduction.It mainly includes five aspects: the background and significance of the research;the research and research at home and abroad;the research ideas and methods;the research content and the technical route;the innovation and the shortcomings of the research.Part II: Related concepts and theoretical basis.Firstly,the concept of micro credit is defined.Secondly,the definition and characteristics of microfinance companies are defined.Finally,the relevant theoretical basis of risk control of microfinance companies is expounded.The third part: An analysis of the current situation of credit risk control of Aalr mayor small loan company.First of all,from the company and the loan business of the company and the loan business introduced the basic situation of the company,so that after the general organization system,customer object and basic conditions,the basic operation of the loan business process and management of the Long Long small loan company Analysis and Research on Credit Risk Control.The fourth part: the problems and causes of the loan risk control of the small loan company of the city of Alar.On the basis of summarizing the current situation of risk control of Changlong small loan company,this paper expounds the risk of Changlong small loan company from the aspects of social legal status,corporate supervision system,internal corporate governance structure and the overall quality and knowledge level of the company The paper analyzes the existing problems of credit risk control in addition to the macro-environment of credit,external governance mechanism and internal management mechanism.Part VI: Safeguard Measures for Risk Control of Long and Long Microfinance Companies.This paper studies the current situation of risk control,the problems and causes of risk control and the construction of risk control system,and puts forward the countermeasures and guarantee measures of credit risk control of Changlong small loan company.Part VII: Conclusion and Prospect.Including the relevant conclusions of the study and the future research and inspiration and direction.We provide targeted guidance for the sustainable development of the Changlong small loan company through the research on the risk control of the borrowing of the small loan company of the city of Alar.