Study On The Risk Prevention And Control Of Small Loan Companies Based On F Micro-finance Co.Ltd

Since China officially launched the pilot program of small loan companies in 2005,small loan companies,as non-traditional financial institutions,have been developing rapidly.The development of small loan companies is of obvious significance,which is mainly manifested in alleviating the difficulties of loan and speed of loan for small and medium-sized enterprises and privately-owned businesses.At the same time,it plays a very important role in revitalizing regional economy and adjusting and complementing the deficiency of traditional financial market.Combined with the current micro-finance mode and operation mechanism,this paper,taking F micro-finance co.,LTD.as the research object,analyzes its current situation of risk prevention and control,existing problems and causes,and explores optimization measures of risk Prevention and Control system in F small loan Company,At the same time,it provides a powerful example for regulatory departments to formulate policies and risk management mechanisms for microcredit risk prevention and control.It helps to promote the research on the risk prevention and control of the small loan industry,form the special micro-credit risk prevention and control system,and put forward some feasible suggestions for the diversified development of the financial market in our country.This thesis is composed of five parts:the first part introduces the basic background information and the significance of the paper,summarizing the research data at home and abroad.The structure of the paper,the technical route,the research methods as well as the innovation of the paper.The second chapter deals with the concepts of risk management of small loan companies.This chapter talks about the theories,on which the discussion in the later chapters is based.The third chapter analyzes the current situation of credit risk prevention and control of F small loan company.Taking F small loan companies as the research object,this chapter generalizes the company's basic situation,such as the historical development of small loan companies,the industry situation,organization price,financial status,business situation,the existing risk control system and risk control process and so on,mainly clarifying the situation of F micro-finance companies in terms of the credit risk prevention and control.On this basis,the existing problems and reasons in the current situation of corporate credit risk prevention and control are analyzed in detail.The fourth chapter analyzes the optimization measures of credit risk control system of micro-finance companies.Based on risk prevention and control optimization principles and objectives,it mainly explores optimization measures and evaluation method of the micro-finance company credit risk prevention and control system,analyzes the optimization measures of micro-finance companies,puts forward relevant guarantee measures,and further ensures the successful implementation of those measures.The last chapter is the conclusion and prospect.This part is to make a comprehensive summary of the research and draw conclusions for the research,and then comes the prospect of the prevention and control of credit risk in China's small loan companies.