小微金融公司风险控制研究

The Risk Control Research of Small Financial Companies

目前我国小微金融公司发展较快,在扶持弱势群体、实现和谐社会建设方面发挥了不可替代的重要作用。但是,小微金融公司风险管理现状不容乐观,风险管理问题已成为小额贷款业务持续发展道路上的一大阻碍。未来应完善风险规避机制、建立风险分散机制、建立信贷风险预警机制、优化小额贷款产品设计、实现交叉验证中的风险识别,以及建立健全信用担保体系。

At present,Micro-financial companies are developing in a rapid pace in China,and have played an irreplaceable role to support vulnerable groups,and to achieve a harmonious society.However,the risk management situation is not optimistic in micro financial companies.Risk management has become a major obstacle on the way to develop Loan business.This paper analyzes the characteristics of micro financial companies,studies the risk of pre-loan review,loan operation,after the loan review.At the end of this paper,the corresponding suggestions are put forward for risk management of the small micro financial companies.