浅析小额贷款公司的风险管理

Brief Analysis of Risk Management of Small-Loan Company

自银监会2008年发布《关于小额贷款公司试点的指导意见》以来,小额贷款公司在全国范围内得到了良好的发展,由于其借贷方便、形式灵活,已成为现有金融体系的重要补充,在支持"三农"和中小企业融资方面发挥着不可替代的作用。本文通过浅析小额贷款公司所面临的法律风险、行业风险、财务风险、客户风险、内部管理风险,提出了适合小额贷款公司发展的风险管理建议,以期完善风险控制机制,提高经营管理水平。

Since the CBRC issued＂Pilot Guidance on the Small Loan Company＂in 2008, small loan compa-nies have had a sound development in China. Thanks to its convenience in lending and borrowing and a flexible form, it has become an important complement of the existing financial system, and has been playing an irreplace-able role in supporting＂agriculture, farmer and rural area＂, as well as SME financing. Through the analysis of legal risk, industry risk, financial risk, customer risk and internal management risk faced by small loan companies, this paper puts forward suggestions on risk management for the development of small loan companies to improve their risk control mechanism and their management.