Research On The Risk Management System Of P Microfinance Company

In recent years,China’s Internet finance industry has shown an explosive growth trend.While the business volume has grown rapidly,there have also been a series of business chaos,such as a large number of P2 P platform failures and runaway,campus loans over-granting credit,etc.In the end,it is due to the risk control consciousness is weak,the risk control level is backward.The explosive growth of Internet finance has brought great challenges to the risk control system of traditional financial industry.Beginning in 2018,The China Banking and Insurance Regulatory Commission issued a series of regulatory measures to strictly rectify the financial chaos,standardize the micro loan financial business,and strengthen the risk control level of financial institutions.This thesis takes P microfinance company as the research object to study the current risk control situation and existing problems of P microfinance company.First of all,based on the review of relevant research status at home and abroad,the relevant concepts and risk control theories of microfinance business are summarized.Then,combined with the actual situation of P microfinance company,the thesis combed the risk control status of P microfinance company’s loan business,and comprehensively analyzed the current risk control problems of P microfinance company from three aspects: the continuous deterioration of loan bad debt rate,the increasing risk in the operation process,and the relatively weak risk early warning ability.At the same time,from the perspective of the imperfect risk review system,the imperfect post loan management system and the risk early warning system is not perfect.Then,around the risk control problems and causes of P micro loan company,we scientifically formulated the risk control optimization measures of P micro loan company from the three perspectives of establishing the pre loan risk control audit system,improving the post loan management system,and establishing the post loan risk early warning system.Through the research on the optimization of risk control of P microfinance company,a set of risk control system of P microfinance company has been formed,which serves as the basis for P microfinance company’s future business development,risk control and access decisions.While solving the risk control problem of P micro loan company,this study has certain reference value for standardizing the industry operation and helping other peer enterprises to improve the loan risk control reasonably.