Tianxin Company's Microfinance Management Optimization Research

Faced with the financing difficulties of small and medium-sized enterprises in China,China's financial innovation is continuing.Among them,micro-loan enterprises are quasi-financial institutions that mainly provide financing for small and medium-sized enterprises.After experiencing the explosive growth in the early stage,China's micro-credit companies have entered the adjustment period since 2016,and micro-credit enterprises themselves are beginning to face new development difficulties.Founded in 2014,Tianxin Company has set up its original intention to provide financing services for small and medium-sized enterprises with financing difficulties and other advanced economic organizations.Since its establishment five years ago,Tianxin Company's loan business has made rapid development,but its development has begun to slow down,and there are some problems,such as insufficient funds needed for the micro-loan business,shrinkage of the total amount of micro-loan business,and dislocation of the target customers of the micro-loan policy.For this reason,this paper mainly takes Tianxin Company as a case study object,and mainly focuses on the current situation of the company's credit management.This paper analyses the problems existing in the company's credit management and their causes,tries to find out the constraints that restrict the credit management of Tianxin Company,and then provides pertinent suggestions for improving the company's credit management.The research shows that:(1)Although Tianxin Company's business volume increased rapidly at the beginning of its establishment,there are outstanding problems in its microfinance management that can not be ignored,such as insufficient funds needed for microfinance business,shrinkage of the total amount of microfinance business,dislocation of target customers of microfinance policy and the huge credit risk caused by these problems,which have been corrected.The company's sustainable development has a huge impact.The reasons for the above problems lie in the lagging awareness of micro-loan concept of company management,imperfect design of micro-loan system,and inappropriate means of overall control of micro-loan.For this reason,this paper designs the optimization scheme of Tianxin Company's micro-loan management.(2)Based on the outstanding problems and reasons of the company's micro-credit business,this paper further proposes measures to improve the company's credit business from the perspective of opening up financing channels,strengthening loan risk prevention and control,strengthening the efficiency and quality of micro-credit approval,and from the perspective of improving the company's internal system construction,establishing a third-party micro-credit risk assessment system,introducing a new economy and individuals.The support system of personal loan and the institutionalization of moral hazard restraint of micro-loan business personnel are put forward to ensure that the company's countermeasures can be implemented and laid a foundation for improving the level of credit management of the company.This paper studies the objective evaluation of Tianxin Company and the improvement of Tianxin Company,and puts forward targeted rationalization suggestions,it can provide improvement suggestions for the company's development.