Study On Risk Control Of Microcredit In Qian Yuan Company

Microfinance as an important way of our country enterprise financing,with the characteristics of flexible,fast,provides a financial support for "agriculture,rural areas and farmers",small micro enterprise and individual private,and eased its financing difficult question in a large extent.However,microloan companies in the micro-loan process,because risk management is not in place,resulting in the risk problem increasingly prominent.Qian Yuan Company was established in 2012,regards support small and micro enterprises' development as a target,and started small loans of mutual loan,credit,and pledge enterprise loans.In the development process,there are many problems in microloan risk management,which increase the risk in all aspects of the company.It is imperative to improve the risk management of the company in order to maintain the continuous operation of small loans.In this paper,regard Qian Yuan Microfinance Company as the research object,and risk control as the research content.On the basis of carding the research status at home and abroad,according to the risk management process,from risk identification,risk assessment,risk control to analysis risk of dry Qian Yuan Microfinance Company.First,in the aspect of risk identification,we found that the main risks of Qian Yuan Microfinance Company include three types: compliance risk,operational risk and credit risk.At present,the company has some problems in risk management,such as imperfect organizational structure,weak risk management awareness,and lack of quantitative analysis of risk assessment;Secondly,in the aspect of risk assessment,selection the data of borrowing enterprise in June 2015 to December 2016,based on the risk assessment index system carry on the empirical analysis,the credit risk assessment model was established based on the regression model of logistics;Finally,in the aspect of risk control,according to the identification risk,the corresponding countermeasures are formulated to strengthen the company's compliance risk control.Strengthen the operation risk control of the company: improve the quality of credit personnel and cultivate the company's risk management culture.Strengthen the company's credit risk control: improve the organization and post responsibilities,establish the customer file management system,strengthen the post-loan risk management,and make full use of the risk assessment model.Through the study,this paper provides some reference on risk management for Qian Yuan Microfinance Company.It is advantageous for the Qian Yuan Microfinance Company strengthen microfinance risk management,keep the company stable development and provide more small micro enterprise financing services.At the same time,it also provides reference for other small loan companies to strengthen risk management.