小额贷款公司信用风险的控制与防范

作为农村金融的重要补充,我国小额贷款公司为解决农户及小微企业贷款难问题、促进区域经济发展作出了贡献。但是,在其支持地方经济发展的同时,也面临着诸多风险,尤其是信用风险,极大阻碍了小额贷款公司的可持续发展。本文深入分析小额贷款公司信用风险产生的原因,认为应在提高小额贷款公司自身信用风险防控能力、优化小额贷款公司风险防控的外部环境两大方面,采取有效的控制与防范措施,以推动小额信贷的健康发展。

As an important supplement of the rural finance, China＇ s micro-loan companies made a contribution in solving the loan problems of farmers and micro-businesses and promoting the development of regional economy. However, when supporting the local economic development, they also face many risks, especially credit risks, which greatly hinder the sustainable devel- opment of micro-loan companies. Therefore, this paper conducts an in-depth analysis of the causes about the credit risks of micro-loan companies, and proposes effective controls and preventive measures for strengthening the prevention and control abilities of micro-loan companies and optimizing the external environment for risk prevention and control of micro-loan com- panies should be adopted to promote the healthy growth of petty credits.