Risk identification and management strategy analysis of microfinance companies
小额贷款公司风险识别及管理策略分析

摘要

小额贷款公司是金融制度创新的重要形式，可为中小企业发展提供资金支持，然而实践中存在风险，影响企业正常有序经营。本文首先分析小额贷款公司风险识别内容，在市场信用风险、内部操作风险和外部法律风险方面进行详细说明，其次阐述目前小额贷款公司风险管理工作中存在的不足，最后研究促进小额贷款公司风险管理水平提高的有效对策。

Abstract

Microfinance companies are an important form of financial system innovation, which can provide financial support for the development of small and medium-sized enterprises, but there are risks in practice, which affect the normal and orderly operation of enterprises. This paper first analyzes the risk identification content of microfinance companies, elaborates on market credit risk, internal operation risk and external legal risk, then explains the shortcomings in the current risk management work of microfinance companies, and finally studies effective countermeasures to promote the improvement of risk management level of microfinance companies.