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小额贷款公司的贷款业务,存在各种不确定性的风险因素,这些因素可能导致信贷资金违背收益性原则,让贷款公司的资产处于风险当中,并造成损失。从实际情况分析,贷款风险主要是因为存在各种事先无法预料的不确定因素,使得贷款资金没有办法如期回收,从而出现呆账和坏账等情况。为此,我们需要对小额贷款公司贷款风险进行评估,本文将在分析小额贷款公司贷款风险类型的基础上,探讨贷款风险的评估方法。
There are various risk factors for the microfinance company’s loan business. These factors may cause the credit funds to run counter to the principle of profit, putting the assets of the loan company at risk and causing losses. From the actual situation analysis, the loan risk is mainly due to the existence of various unpredictable uncertainties in advance, so that the loan funds can not be recovered as scheduled, resulting in bad debts and bad debts. To this end, we need to assess the loan risk of micro-loan companies. This article will discuss the loan risk assessment methods based on the analysis of loan risk types of micro-loan companies.