Research On Non-performing Loan Management Of New OTC Market Micro-loan Company

At present,micro-finance companies have exposed a number of problems,one of the most prominent is the high rate of non-performing loans,in the new OTC market listing of micro-loan companies are also suffering.Studying the factors that affect the non-performing loan rate of the new three-board micro-loan company will help the micro-loan company to find out the reason why the non-performing loan rate is too high and help the regulator to formulate the measures to control the non-performing loan rate.The first part of this paper defines the definition of micro-loan company,expounds the development process of micro-loan company,and analyzes the related research results about micro-loan company and non-performing loan company.Thus,the general ideas and methods of this study are determined,and the article is laid down.Framework.The second part analyzes the current situation of the new OTC market micro-finance company,from the development scale,profit level,problems and other aspects of the analysis,the new OTC market micro-finance company in recent years there is a decline in performance,facing loan fraud,running away.Policy gaps and other issues.In addition,the loans of small companies are compared with those of banks,and the characteristics of loan concentration,rapidity,concentration and lacof law are analyzed.The third part,the establishment of small loan companies non-performing loans index system.Specific indicators include government subsidies,capital adequacy ratio,asset-liability ratio,total asset growth rate,employee education,reserve coverage,net Profit growth rate,loan guarantee.In the fourth part,the panel data of 28 small loan companies are taken as the sample to establish the fixed effect model,F test and LR test are carried out,and the mixed cross-section model is selected to set up the mixed cross-section model.The results show that increasing the growth rate of total assets and high profit level can help to reduce the ratio of non-performing loans,and then analyze the reasons why other indicators are not significant,which do not accord with the assumptions,and sum up the reasons for the emergence of non-performing loans.The fifth part,selected the non-performing loan rate dropped significantly Dong Fang,the non-performing loan ratio has been relatively low Jin Chang Cheng,in recent years,the rapid rise of Tai Xin small loan three companies to carry on the case analysis.From the three families The Department's measures to controlnon-performing loans were inspired.The sixth part,through the previous modeling and case analysis,combined with the current situation of the new three-board micro-finance company,from the external and internal two aspects of the policy recommendations.External suggestions: perfect supervision and legislation,establish credit system,broaden financing channels,develop economy,establish sharing mechanism.Internal suggestions: improve management level,strengthen employee training,perfect credit audit,innovate and transform,strengthen risk control.