Research On The Improvement Of The Risk Control Strategy For Network Microcredit Of D Company

Small and medium-sized enterprises have always been an important part of China’s economic construction,but "difficult and expensive financing" has become the number one problem for the development of small and medium-sized enterprises.How to better serve the real economy and solve the financing problems of small,medium and micro enterprises,a very important content is to use private capital.The birth of small loan companies caters to this demand.The company D studied in this thesis has the qualification to operate the online microfinance business,and has certain representativeness and particularity in the local area.As the borrowers of online micro loans are more "small and decentralized",they need stronger risk management system and risk control technical support.Therefore,this thesis chooses the research on the improvement of D company’s online micro loan risk control strategy as the title of the thesis,hoping to play a certain reference role in improving the risk control of D company’s online micro loan.Based on the research of theoretical literature,this thesis analyzes the problems in the risk control strategy of D company’s online microfinance by combing the current situation of D company’s online microfinance.First,the risk management system of company D is not perfect,and the implementation of the system is not in place.Second,the risk control system is not complete.The pre loan review is extensive and the post loan management means are single.Third,the assistance of risk control technology is backward.The transformation of P2 P companies leads to the inapplicability of risk control model and the lack of security protection measures for customers’ personal information.Fourth,the risk control staff are lack of ability,the overall educational background is low,and there is no talent introduction and training mechanism.The reasons are: first,company D has no unified corporate risk control culture;Failure to improve the system and system construction of risk management with the business development;There is no supervision and accountability for the implementation of the system.Second,the company did not set up a scientific risk management system;Lack of risk early warning mechanism and punishment mechanism for breach of trust.Third,there are deviations in the assessment factors of the borrower in terms of risk control technology;The module for protecting customer’s personal information is missing.This thesis selects 220 groups of online micro loan data,uses logistic regression model to test,finds out which factors need to be reviewed and considered by the online micro loan to the borrower,improves the extensive management mode of original customer review,carries out refined management of customers,and improves the risk control model to achieve refined risk control management and more accurate risk control of company D.Four employee incentive mechanisms are not applicable and lack of introduction,training and selection of risk control talents.In view of the above problems,this thesis also puts forward constructive suggestions and safeguard measures for the improvement of D company’s risk control strategy.First,improve the organizational structure and management mechanism.Develop overall risk management objectives and risk control culture;Improve various risk management systems;Improve the organizational structure of risk management and make supervision and accountability.Second,improve the risk management system.Improve the scientificity of pre loan and post loan management and audit;Establish a risk early warning mechanism and strengthen the connection of credit investigation.Third,strengthen the optimization of risk control technology.Expand the intelligent risk control engine,carry out fine management for customers with different risk levels,and increase the customer information security protection mechanism and digital file management.Fourth,improve the risk control ability of all employees.Strengthen training,risk review,department collaboration and personnel training.In addition,this thesis also puts forward three safeguard measures,namely,the guarantee of enterprise compliance,the guarantee of financing and the guarantee of cooperation institutions.It is hoped that this research can help enterprises improve risk control strategies,effectively reduce risks,improve the security and security of Internet microfinance business,and provide reference for the healthy development of the industry in the future.