In order to adapt to the needs of the country's financial system reform， the country began to develop the small loan company， with rich folk lending， relieve Banks grabbed the plight of the financing On credit， however， the small loan companies due to its own defects， often face a greater risk of To this end， the paper introduced simple bayes' theorem， the establishment of an evaluation of the borrower default risk model， in order to improve the credit risk management of small loan
