Research On The Risk Countermeasures Of Small Loan Company’s Mortgage Loan Business

Small and micro enterprises play an important role in promoting economic development,increasing employment opportunities,optimizing social structure and so on.And the development of enterprises needs financial support to promote the scale of operation bigger and stronger.Small loan companies play an important role in the financing of small and micro enterprises.Due to the downward trend of economic growth,the business of small loan companies face more difficulties in operation,the scale of loans is reduced,and the non-performing rate of assets is significantly improved.This situation is not conducive to the development of small and micro enterprises.Based on the above situation,it is of great significance to analyze the main risk factors of small and micro enterprise loans.The research of the thesis focuses on the mortgage loan business carried out by small loan companies,Firstly,PEST analysis method is used to analyze the external environmental risks faced by micro credit companies.This thesis also analyzes the operational risks and collateral risks.Based on the above key risk factors,this paper studies and considers the risk management model,business development model,loan audit process and post loan management.In this thesis,a case study is used to analyze the asset quality,product structure,and post loan data with the actual data of FL small loan company.This thesis also uses the method of case study to analyze the specific data of FL small loan company,and verifies the feasibility of the risk countermeasures before and after the adjustment of the risk strategy.This thesis aims to help small loan companies find ways to effectively prevent loan risks and develop mortgage business,so as to support small and micro enterprises and support the development of the real economy.