Strengthen the awareness of credit risk management. Generally, the loan process of small loan companies is from top to bottom. First, the loan intention of the superior is obtained, and then it is handled step by step. As a result, many grassroots personnel form the habit that their superiors have the intention to borrow money and follow the convenience. This reverse procedure operation will make some credit managers have a weak sense of risk. More serious will be false, inaccurate, concealing first-hand information and other false acts. Therefore, small loan companies need to improve the financial system learning, job skills training and quality and moral cultivation of credit personnel. And formulate assessment and punishment mechanism, and constantly improve the management level, so as to effectively prevent and resolve credit risks.

Strengthen internal risk control. At present, small loan companies still have management risks such as lax payment and weak internal control system. The pre-lending investigation is not deep enough, the borrower's data analysis is inaccurate, and the degree of attention is not enough. Only one-sided first-hand data analysis is attached importance. On the other hand, without knowing the borrower's operation and the use of funds, large loans are issued. Finally, the internal auditors of small loan companies lack independence and authority, and there is a lack of effective supervision and restriction between posts, which leads to the inability to find and prevent risks in time.

Small loan companies should strengthen credit management, standardize the operation process of credit business, organize the establishment of customer credit file system, and strengthen tracking supervision.

Improve the level of risk identification and prediction and improve the credit risk prediction mechanism. At present, some evaluations are interest-driven. When evaluating customers' assets, they are not evaluated according to their actual market value, but according to their requirements, which leads to serious real-time evaluation and finally serious losses. Therefore, when identifying and measuring various risk factors of loans, microfinance companies must use qualitative and quantitative analysis methods and take targeted evaluation to provide basis. In addition, small loan companies should make a clear analysis of policy risks, so that the final evaluation results can truly reflect the status and causes of credit risks.