小微金融公司风险控制研究  

The Risk Control Research of Small Financial Companies

作　　者：常有新[1] 官金华[1] 

机构地区：[1]石家庄经济学院会计学院,河北石家庄050031

出　　处：《山东科技大学学报（社会科学版）》2015年第3期69-73,共5页Journal of Shandong University of Science and Technology(Social Sciences)

摘　　要：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.

关 键 词：小微金融公司 贷款 风险控制 风险管理 

分 类 号：F276.3[经济管理—企业管理]