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 importan
ce 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
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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
进口开关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
conflict will be borne by the company leadership comprehensive, and any shareholder will direct retain significant asset management personnel selection and accurate
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maintenance right content such as earnings results. After all these there is essential
difference between companies and Banks, not synchronous open deposit business,
will therefore shall be regarded as more formal financial management unit.
The so-called risk management problem, that is, any enterprise during the period of
Foreign Service accordingly to keep conflict prediction results and the prevention and control means, excluding the above factors still excessive crisis situation. Now comprehensive perfect the internal financial market regulation system in our country, but such risks does not
2.1 Market risk
In its depth of stress is that when a specific enterprise marketing mode hidden conflicts hidden premise for market competition, the core area and actual occupy the share of late will produce certain gap preset indexes and as a result, under this background, a specific commodity technology innovation preparation procedure will breed a disorder or scale effect, which is difficult to cause the public recognition. Question on this part of the risk detailed analysis the following contents: first, the demand for consumer self satisfaction biased forecast results. Actually in such trouble enterprise pro
duct styles are different, but the late consumer activity development would be struggling, as for when to break free from the shackles of established the shackles of thinking is much more difficult to provide accurate answers. Second, the distortion of market core competitive power. In this kind of technology challenges of the corporate sector are often consumers and market regulators to double review, including the internal capital adequacy, executive’s comprehensive technical ability and moral quality level and finally improve the quality of our products means. At a particular stage based on enterprise competitive potential certification is trouble until trouble troubles you. Finally, the market demand curve from time to time. Market and product structure change activities must maintain synchronization effect, through heterogeneous mechanism connotation lap joint debugging, technical personnel will be left arbitrary cope with habits problem because of the weak.
2.2 Technical risk
Relative technical risk problems during the implementation of product shape transition depth, if you don't on any technical content cohesion, can make innovation activities. Such technical achievement to run from the initial transmission process through three levels, including scientific research experiments, quality testing and industrial structure promotion and so on, but the legacy of the potential risks will be more severe. During scientific research projects, the unit can content to cater t
o the
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preset standards are often difficult to conclude that negligence often because the operation subject facing failure situation. Mid-term test link, even the innovation product has production, but the public response to the information collection is not comprehensive, including side effects or ecosystem destruction in the planning process, etc. On this basis, to realize commercialization of research results will not be so easy. And large-scale production and sales stage, because the high-tech content in succession process has rough surface, make the products within the market to gain a foothold, especially under the condition of life is not long by the rest of the technology to replace the possibility is very high. So any a product no matter from the initial development stage for internal promotion is to the market and involving internal process is filled with all kinds of risk. In particular, technical risk mainly covers the detailed aspects: first, technology research and development activities extend range is not accurate verification; Second, the late in response to population fluctuations from time to time. Third, the market competition activity is participating in the lack of persistence.
2.3 The financial risk
Is mainly refers to project funding cannot achieve reasonable dredge out and make the result of the failure mechanism of innovation activities. Information funds
for the financial position at risk enterprise how important, but in reality such enterprise expansion fund tends to have the following characteristics. First of all, the capital demand range is larger; Second, the concrete financing way too narrow. Late for venture enterprises economic benefits inherent fluctuation, makes any unit in to invest in its early after a long period of psychological war, so, its implementing
overall financing is still not enough reality. Financial control activities related to performance of the risk elements as follows: first, the financing sources and the
number are difficult to textual research. Fortunately when such companies to adapt to
the development stage, especially along with the expansion of business scope, make
internal capital demand quantity full boom, if still can not get money as it should be
within the prescribed period of time the number of support, will lose industry
competitive advantage, eventually be eliminated by times. Second, money supply timeliness position shakes. Risk enterprises need to rely on money supply mechanism transition reform task, especially in well-funded, aging characteristics influence premise, despite the results spectacular gains phase, but may also be because cash shortage and make both industrial chain break, enabling enterprises to edge back into
a rout.
2.4 Manage risk
Specific enterprise due to the default response mechanism in the process of
implementation of the project planning result error and influence department
reputation foundation, makes the development prospect of the late of blank, this kind卡玛斯大货车
of phenomenon also is late investment risk control activities need to focus on the core
第二条线索of the comprehensive technical problems. Combined with the morphology of risk enterprises, mismanagement signs are spreading, for enterprise management in the future bring depth limit crisis.
Specific breeds reasons are: first, the enterprise established imbalance effect management organization structure design, especially with the field of technology transition entrepreneurial subject, often because under the background of knowledge management lack of license enterprises effect diffusion mechanism shortcomings; Secondly, the enterprise cohesion cooperation organizations cannot complete and enterprises in a task, even if is the size of the
business situation is good, but neglected will derive more prominent contradiction, further into the root cause of risk management. About this part of the risk situation presents the following rules: (1) specific management thinking innovation main body is not strong enough, most of the internal rectification technology innovation risk firms simply focus on details, for the daily work of team quality form and technical
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