Study On The Micro-credit Risk Management

With the development of Inclusive Finance Theory and Internet technology,micro-credit business has developed rapidly in China.Micro-credit product models/ institutions/loan balance have all been explosive growth.However,behind the seemingly prosper,micro-credit institutions are exposing various risks.Compared with traditional bank loans,microfinance institutions are not mature in various risk management.Therefore,it is necessary to conduct in-depth and systematic research on risk management of micro-credit institutions.This paper takes A micro-credit company as an example to investigate.It is divided into six chapters.The first chapter is the introduction,including the background and significance of the research,literature review,research contents and methods,and innovations.The second chapter expounds the general principles of micro-credit.The third chapter mainly explains the development process of micro-credit and the current situation of micro-credit in China.It clarifies the concept and characteristics of the risks of micro-credit institutions.It makes a specific analysis of the various types of risks faced by micro-credit institutions.It also explains the most typical models of micro-credit in China.The fourth chapter and the fifth chapter are the core of the paper.It is a case study on risk management of A micro-credit company.Firstly,it explains the basic situation,business process,credit products of A micro-credit company.Secondly,it analyzes the risk status of A micro-credit company,especially in credit risk management.Finally,it rebuilds a risk control system for A micro-credit company,It gives propositions faced on company structure,management responsibility,business process,business system to improve the risk management of A micro-credit company.The sixth chapter is the conclusion and the prospect.This study may help micro-credit institutions to improve their risk management.