农村小额贷款公司的风险防范可持续发展外文文(5)

on the analysis and research of the rural microfinance market, expanding the rural credit cooperatives, agricultural bank, postal savings bank and other financial institutions are difficult to or don't want to involved in microfinance market, strengthening the support to farmers and rural small and medium-sized enterprises, promote the development of rural economy. Second is to avoid positive competition with Banks. Competition with the financial markets, small loan companies should avoid confrontation with the bank, starting from their own familiar with local market conditions, clear its own customer base Hugh foot wide farmers and small and medium-sized enterprises. To hold the characteristic of its flexible, play to the advantage of "ship small good turn", shorten the credit apricot, careful work, small batch process, improve the efficiency of credit approval, the innovation credit product, with Banks left alienation of market competition, promote the development of itself.

3.2 Improve the risk control mechanism

Loan guarantees form innovation, reduce borrowers default risk. Rural microfinance company loan object is mainly some low-income farmers and small businesses, small and growing the customer in this case, the rural microfinance companies a foot than commercial Banks can adopt more flexible form of guarantee, the mortgaged property, and the pledge, for example, the farmer's house and usufruct right to the contracted management of land, agriculture and other kinds of rural property can be as loan collateral; In addition, strengthen the loan examination and approval, supervision and administration. Rural microfinance company shall strengthen the examination and approval of loans, improve the loan approval process, strictly implement the former credit investigation, credit tracking tube now occupied a towel and post-loan back not a link, before the loan on the condition of the customer review according to the facts, avoid feelings) LI and personal loans; Loan should carefully review, standardize loan process, establish strict internal control mechanism.

3.3 To perfect the corporate governance structure

In general, the corporate internal governance structure refers to the owners (mainly shareholders) for the operator of a supervision and checks and balances. Through a system arrangement, to reasonably configure the rights and responsibilities