Study On Credit Risk Of Qianhai Small Loan Companies

With the growth of the number and the extensive operation of microfinance companies in recent years,the risk is also increasingly exposed.For small loan companies that are intertwined with all kinds of risk problems,what means should be taken,how to effectively control and reduce the risk of loan business to ensure its healthy and sustainable development has become an important issue in front of the employees of small loans.This paper first illustrates the connotation and types of microfinance,the characteristics of small loans,the connotation and types of credit risk and the methods of credit risk management,and discusses the theory of comprehensive risk management,information asymmetry theory,transaction cost theory and other related theories.Then according to the practical experience and a large amount of basic data accumulated in the actual work,the present situation of risk management in Qianhai microfinance company is analyzed,and its rules and regulations and process framework are expounded.The problems in the control of credit risk are pointed out:the high degree of risk concentration of credit assets,the lack of reasonable planning of the loan plan,and the method of risk assessment is not scientific before the loan;the loan pricing is more random,the pricing method is not standardized;the operation risk process is not rigorous in the loan;the completeness of the post loan risk early warning system needs to be perfected;the information management method is backward and lack of software support.On this basis,taking the 220KV special transformer project loan as a case,this paper carries out the study of the risk,points out the problems existing in the pre loan investigation,the audit and the post loan management,and analyzes the experience and Enlightenment of the case:the risk control must be placed in the first position of the credit management,the early investigation should be conscientious and strict.The credit examination and approval system of grid,a sober understanding of the operating conditions of the loan enterprises,the resolute elimination of the human loan,the early detection of the risk and the early warning are the basis of the loan.Finally,the paper puts forward control measures for the loan risk of Qianhai microfinance company:reasonable planning of credit combination,scientific pre loan risk assessment method,standard loan pricing method,strict operation risk process in loan,completion of post loan risk early warning system,and information management system.