Research On Risk Management Of Microfinance Business In DFZJ Company

Risk management refers to the management process of minimizing the adverse effects of risks in an environment where risks are certain to occur.With the booming development of China's micro-finance industry,how the micro-finance enterprises overcome the inherent defects of the borrowers such as low credit level and low collateral,and how to prevent the micro-finance risk has become an important problem to be solved in their development.Taking DFZJ company as the research object,through literature research,this paper establishes risk management evaluation system,and conducts comprehensive analysis on the credit risk and risk management of existing problems.On the basis of this the paper puts forward relevant countermeasures and suggestions in order to lower management risk,enhance the level of business development..Based on the above research purpose,this article firstly combs the relative concepts and theories.The paper makes analysis on the DFZJ's present situation of micro-credit business and the risk influencing factors using the analytic hierarchy process(ahp),and then establishes evaluation model to evaluate he DFZJ micro-credit business risk from the present situation of risk management,internal factors and external factors.The paper is arranged as follows.First,it comprehensively analyzes the current situation of DFZJ's micro-loan business,explores the development status of the company,the current situation of micro-loan business and the main risk sources.Second,risk evaluation analysis was carried out for DFZJ company,and an evaluation model was established using the analytic hierarchy process to evaluate and analyze the risks faced by DFZJ company's micro-loan business,and then the paper points out the problems faced by the company's micro-loan business and the main reasons.At last,the paper proposes risk management strategies and safeguard measures for DFZJ company.The suggestions includes optimizing company risk control system,timely analyzing the change of the market management,strengthening internal management,reasonable optimizing business processes,and strengthen staff training,strengthening the overall risk management consciousness and cultivating enterprise risk management culture and other security measures.