我国小额贷款公司面临的风险及对策分析

The Research of the risk of Micro-Credit Company in China

我国小额贷款公司自试点以来,已取得一定成绩,但基于其特殊性,有许多深层次的问题亟待解决,尤其是小额贷款公司的风险控制问题。小额贷款公司只贷不存、服务对象的弱势群体性、贷款额度的微小性和专业高素质人员的缺性等原因,使其在具体运营和操作上面临诸多风险。在此背景下,如何控制和降低风险,保证小额贷款公司可持续健康安全发展具有重大的实践意义。鉴此,尝试分析我国小额贷款公司面临的主要风险,提出进一步降低我国小额贷款公司风险的对策建议。

Since the micro-credit company come into being, it has receive some grades, basing on its specifies, there were some deep problems to resolve, especially, the risk management of micro-credit company. Micro-credit Company is not only to survive, can not attract deposits, and its target group is disadvantaged groups, the loan commitment is small, and the lack of the quality high staff, and so on. These factors cause its risk. Thus, how to control and reduce the risk is the guarantee of the sustained and healthy development of the Micro-Credit Company. Therefore, this text analysis the current risk situations and the problems, forwards the suggestions of the reducing the risk.