河南省小额贷款公司风险控制研究

The study on Risk Controls of Small Loan Companies in Henan Province

通过分析近几年河南省小额贷款公司的发展趋势和调查走访河南省小额贷款公司,剖析了政策动向,了解了公司经营现状及风险情况,这些风险主要包括资金非常短缺及赋税过重,监管难问题,缺乏专业人员,风险控制能力弱,经营不规范,信贷风险大,同时给出解决经营风险的对策。

The operation status and risk situation of small loan companies by analyzing the recent development trend of these companies and the policy tendency of the government, and by interviewing the small loan companies in Henan Province. These risks include shortage of fund, heavy taxation, hard supervision, a shortage of specialized people, weak ability to control risks, less formal operation, and a high credit risk. Meanwhile, the countermeasures to solve the problem of operation risks are given.