Guangyuan Guoxin Microfinance Company SD Loan Project Risk Management Research

Small and micro enterprises are an important part of China's economy.They play an important role in enriching the market economy and solving the problem of mass employment.Because of their own shortcomings,small and micro enterprises have a large demand for financing,but the financing channels are single,the financing process is complex and the financing cost is high.In order to adapt to the reform of farm finance in China,microfinance companies invest in commercial microfinance institutions by private capital.Their main clients are farmers,agricultural units,small and micro enterprises,etc.They are effective supplements to the financial services of banking financial institutions.Because of the restriction of policy,microfinance companies can operate across regions,and the single source of funds and business structure,the success rate of loan projects is the key to ensure the normal operation of the company.Therefore,the risk control and management of loan projects for small and micro enterprises is the focus of research.In this paper,the Guangyuan GX small loan company(GYGX)to Guangyuan SD Construction Co.,Ltd.small and micro enterprise loan project risk management and control of the actual case study.Firstly,we study the characteristics,risk types,and classic management theories and methods of risk management and control to form the theoretical basis of this study.Secondly,we introduce the loan institutions and business conditions of GYGX,and select the representative SD enterprise loan project as the research object of this paper.Finally,according to risk identification,risk assessment and risk control According to the steps of system,response and risk monitoring,risk management theory and GYGX 's actual situation are adopted,and corresponding management measures are put forward for credit risk,market risk and operation risk in each step.In SD enterprise loan project,project risk management has achieved good results,mainly reflected in more comprehensive risk identification,more accurate risk assessment,loan process,loan approval,more standardized risk processing process,more timely risk warning and information feedback,etc.The successful implementation of SD loan project has also promoted the construction of GYGX 's risk management system for risk identification,risk assessment,risk control and risk monitoring of construction industry,as well as the construction of GYGX 's information system starting from the project,which supports project risk management through information means,improves the accuracy and standardization of risk management and reduces operational risk.Since the study of risk management and control in this paper,the non-performing loan rate of GYGX small and micro enterprise loan project has decreased by 3 percentage points,with remarkable effect and certain theoretical and application value.