农村小额贷款公司的风险防范可持续发展外文文(3)

decision-making. Some small loans company rules, in loans over a certain amount of outward, needs under the condition of all shareholders agree to issue. In addition, has yet to establish scientific and reasonable incentive constraint mechanism, but individual rural microfinance company has established the responsibility, right, the combination of the performance appraisal mechanism, microfinance company will assess to quantify the indicators of achievement effect, the wages of credit shell from its loans are tied to the quantity and quality. But overall, rural microfinance has not yet established a scientific and reasonable mechanism of incentive and constraint. First of all, although some companies formulate measures of performance appraisal, but generally is relatively simple.

2.2 Lacking of professionals

In the long run, rural microfinance company’s market core competitiveness is the loan principle of "small, scattered, compared with the bank loan officers, rural microfinance companies facing the loan officer to customers more and more complicated, credit management personnel must possess high professional level and professional quality. However, good at management talent lack, scattered small loans restricted the small loan business of the company. Because rural microfinance company has just set up soon, is still in the initial stage of development, the company scale is small, ability to resist risk is low, a single business, and generally is located in the township, these reasons have led to a small loan company is difficult to attract good people so rural microfinance companies generally exist the phenomenon of lack of talent area.

2.3 The lack of effective risk control mechanism

Rural Microfinance Company mainly is financial enterprises to form, not understanding the financial sector, basically do not have to establish a risk prevention and control measures. Thus, rural microfinance companies for the control of financial risk consciousness are weak. And rural microfinance company operational risk is relatively large, the reason is that the rural microfinance loan object has its own particularity: on the one hand, the rural small and medium-sized enterprises, compared with large enterprises, small scale, management risk is high, the credit level