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文献出处：M Swan. The study on the operating risk prevention of small Loan Companies [J]. Decision Support Systems, 2015，12(4): 828-838.

原文

The study on the operating risk prevention of small Loan Companies

M Swan

Abstract

Small Loan Company is still in its infancy. Just in the process of its establishment and continuously explore, suffered a lot from themselves and the environment problems. As the regulators in the financial markets and relevant scholars, on how to locate small loan companies, how to make small loan companies play a real role in the national economy is full of concern. Small loan company capital source channel is narrow. Mechanisms involved in microfinance planning period is not long, after internal personnel practice survey, random diffusion time or disturbing both inside and outside conditions. Whether internal standard units or departments, professional analysis for such enterprises in the financial markets of rapid infiltration and perpetuate problems have been attached great importance to. As folk further liberalization of the capital market, therefore, small loan companies the management risk and financial risk is increasingly highlighted.

Keywords: Small loan companies; Risk management; Control to prevent

1 Introduction

In the operation of small loan companies in the various risk, especially in its operation risk management tends to bring to the company a lot of difficult to estimate the trouble, so how to discover, to summarize these appear in running the root cause of the risk management, it is more important, after find out root cause, according to the scientific and effective methods for these problems existing in the management risk of classified division, to make small loans in the operation of the company's future operation and management of risks for effective, systematic, scientific prevention. Most scholars, according to the theory of small loan companies run the risk and prevention countermeasures of research, mainly concentrated in all kinds of risk and risk analysis is put forward, put small loan companies this new industry

compared with other financial industry environment, in the concrete for small loan companies on risk management in the operation of the fundamental problems, and how to guard against these problems has not conducted detailed discussed and countermeasures, and only in small loans risk aspects of problems in the operation of the company in theory emphasizes the overall risk of small loan companies and prevention. In the operation of small loan companies in the various risk, especially in its operation risk management tends to bring to the company a lot of difficult to estimate the trouble, so how to discover, summed up in these. The root cause of the risk management in the operation of, is all the more important, after find out root cause, according to the scientific and effective means to these problems existing in the management risk of classified division, to make small loans in the operation of the company's future operation and management of risks for effective, systematic, scientific prevention.

2 Risk and risk management

So-called hidden risks in small loan companies operating activities, mainly in the specific planning period internal profit performance on derivatives with the default index of conflicting phenomenon, especially given risk loss of effect. Combining normative power relatively broad regulatory body Angle of observation, the symptoms mainly joint mechanism disorders, loss events and the concrete performance of the amount of loss data. Under the background of this kind of developing system management, strategic planning can be established targets more completely, which along with all the fluctuations of will appropriate to eliminate, or make the disturbing factors have condition remains inside the company can accept the reasonable space structure, so as to strengthen the organization interest charge ability. Set of small loan companies, this article mainly emphasized by supervision, legal person or organization in the society structure transition to reverse the operation, one for the public deposits were rejected, hope to be able to operate in microfinance project implement profit motive for a long time under the control indicators. Need special attention is, the need to accept the country specific regulatory legal department, under the premise that the arrangement of all business, profit and loss or risk of