Research On Post-loan Risk Management Of A Small Loan Company

With the rapid development of China’s economy and the in-depth reform of the financial system,Traditional financial institutions cannot meet the increasing funding needs of financial markets.As a result,the vitality of private capital has been fully released,the microfinance industry has emerged,and microfinance companies have ushered in new development opportunities.From a poverty alleviation-oriented policy institution to a truly commercial financial institution.A microfinance company is a company established by natural persons,corporate legal persons and its social organizations.It is a tentative quasi-financial institution between formal financial institutions such as banks and private lending,and a profit-oriented business.Sex institutions play a very important role in supplementing and regulating the financial demand market.However,due to the special nature of microfinance funds and operations,microfinance companies also have many management risks,which have affected the development of microfinance companies and the stability of financial markets.This paper analyzes the risk management of A microfinance company after loan,explores the problems and causes of post-credit risk management of A microfinance company,and gives countermeasures and suggestions,in order to study the post-lending risk management of microfinance industry.Practice provides reference.This paper first reviews the research on microfinance management,and further based on the research methods such as questionnaires and interviews,taking A small loan company as the research object,and analyzing the problems existing in the current post-loan risk.The survey found that the main problems of A company’s post-loan risk management are: high risk of overdue after loan;low degree of intelligence of operating system after loan;poor maintenance of customers after loan.The article further analyzes the cause and finds that the limitation of the single-store operation mode is the main reason for the high risk of overdue after the loan;the post-loan management system is old and leads to the lack of function and weakening,which in turn affects the inefficient work of the post-lending personnel and lowers the production capacity.At the same time,it increases the management risk after the loan;the lack of customer awareness after the loan is the main reason for the poor maintenance of the customer after the loan.At the end of the article,specific suggestions are given: to improve the post-loan risk problem by transforming the operating model,establishing a multi-functional,intelligent system,and enhancing the operational awareness of customers after the loan.