本文選題：小額貸款公司　切入點(diǎn)：信貸風(fēng)險(xiǎn)　出處：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：小額貸款公司是中小微企業(yè)融資的重要途徑,一方面在金額改革信號明顯的背景下和資本市場上巨額的利益追逐驅(qū)動(dòng)下,小額貸款公司的數(shù)量仍在激增,而一方面有些民營經(jīng)濟(jì)特別活躍的地方出現(xiàn)了小額貸款公司成批倒閉的現(xiàn)象。歸根究底是由于小額貸款公司信貸風(fēng)險(xiǎn)識別、控制能力較弱。 近年來金融界對信用風(fēng)險(xiǎn)的監(jiān)測、評價(jià)與管理越來越重視,一方面對傳統(tǒng)的信用風(fēng)險(xiǎn)評價(jià)方法不斷改進(jìn)翻新,一方面推出了一系列嶄新的信用風(fēng)險(xiǎn)評價(jià)方法和模型。盡管如此,在商業(yè)銀行信用風(fēng)險(xiǎn)管理上運(yùn)用成熟的模型和方法在小額貸款公司身上直接套用并不完全適合。 本人認(rèn)為,在我國當(dāng)前小額貸款公司和從業(yè)者角度來看,研究適合小額貸款公司業(yè)務(wù)特性和客戶群體的風(fēng)險(xiǎn)評價(jià)指標(biāo)和模型是有很重要的意義的。本文的研究思路分為三條：第一,簡要介紹現(xiàn)有商業(yè)銀行信貸風(fēng)險(xiǎn)評價(jià)模方法及其基本原理；第二,介紹我國現(xiàn)有小額貸款公司的特點(diǎn),并對現(xiàn)有信貸風(fēng)險(xiǎn)評價(jià)模型是否適用于小額貸款公司作出分析說明；第三,指出如何在現(xiàn)有信貸風(fēng)險(xiǎn)評價(jià)模型的基礎(chǔ)上,找到適合小額貸款公司的方式方法。并根據(jù)現(xiàn)在小額信貸業(yè)務(wù)的新特征,與時(shí)俱進(jìn)地創(chuàng)新小額貸款公司信貸風(fēng)險(xiǎn)評價(jià)方法。沿著這條思路,本文由以下部分組成： 第一部分：導(dǎo)論。該部分內(nèi)容主要是對本人的研究意義、目的、思路、預(yù)期貢獻(xiàn)等作出說明。簡要概括了本文的研究重點(diǎn)、研究方法。 第二部分：文獻(xiàn)綜述部分,對信貸風(fēng)險(xiǎn)的基本原理和現(xiàn)有信貸風(fēng)險(xiǎn)評價(jià)模型進(jìn)行簡述。這部分內(nèi)容,總結(jié)了國內(nèi)外學(xué)者關(guān)于信貸風(fēng)險(xiǎn)和風(fēng)險(xiǎn)預(yù)警的文獻(xiàn)綜述,包括信貸風(fēng)險(xiǎn)的概念、成因、影響因素。接著概括了近些年學(xué)術(shù)界、金融界對于信貸風(fēng)險(xiǎn)評價(jià)方法和模型的研究,這部分的理論介紹為下文探索適用于小額貸款公司的信貸風(fēng)險(xiǎn)評價(jià)指標(biāo)打下基礎(chǔ)。 第三部分：介紹本文案例分析的對象JH小額貸款公司的基本情況和主要業(yè)務(wù)特點(diǎn),并從小額貸款公司與商業(yè)銀行的差異特點(diǎn)上去分析前述信貸風(fēng)險(xiǎn)評價(jià)模型是否可被小額貸款公司所適用。選擇JH小額貸款有限公司作為本文的案例,出于以下三個(gè)原因：第一,本文作者曾在近期在該公司進(jìn)行了長達(dá)數(shù)月的實(shí)習(xí)實(shí)踐,在實(shí)踐過程中對于小額貸款公司缺乏信貸風(fēng)險(xiǎn)評價(jià)能力有所感觸,希望通過自己的研究拋磚引玉,探討適于小額貸款公司的信貸風(fēng)險(xiǎn)評價(jià)方法；第二,JH小額貸款有限公司治理規(guī)范,對小額貸款公司的信貸風(fēng)險(xiǎn)研究也比較重視,該小額貸款公司處于行業(yè)領(lǐng)先地位,是全國小額貸款公司百強(qiáng),所以比較具有代表性；第三,JH小額貸款公司業(yè)務(wù)涵蓋范圍較廣,既有傳統(tǒng)小額貸款公司面向的農(nóng)業(yè)農(nóng)戶小額貸款、商業(yè)商戶小額貸款,也有新興發(fā)展的科技初創(chuàng)企業(yè)信用貸款等等,能夠從更多方面、不同模塊來研究信貸風(fēng)險(xiǎn)評價(jià)指標(biāo),比較具有參考價(jià)值。尤其是該公司的新興科技信貸領(lǐng)域,比較具有研究價(jià)值。本文從科技信貸著手,分析該領(lǐng)域客戶特點(diǎn)和小額貸款公司對于該類型客戶較為看重的關(guān)注點(diǎn),據(jù)此來構(gòu)建設(shè)計(jì)下文中的適用于小額貸款公司科技信貸業(yè)務(wù)的信貸風(fēng)險(xiǎn)評價(jià)模型。 第四部分,是本文的核心部分,JH小額貸款公司信貸風(fēng)險(xiǎn)評價(jià)模型構(gòu)建實(shí)例。借鑒現(xiàn)有信貸風(fēng)險(xiǎn)評價(jià)模型的理論和方法,汲取適用于小額貸款公司采納應(yīng)用的有用部分,在構(gòu)建該套科技初創(chuàng)型企業(yè)客戶信貸風(fēng)險(xiǎn)評價(jià)體系的時(shí)候,綜合運(yùn)用了前面文獻(xiàn)綜述中介紹的專家經(jīng)驗(yàn)判別法、比例分析法、信用評分法等。在評價(jià)指標(biāo)選擇上,采取了定性指標(biāo)和定量指標(biāo)相結(jié)合的方法,并解決了JH公司以往定性指標(biāo)無衡量標(biāo)準(zhǔn)的問題。 第五部分：結(jié)論。該章主要是對本文的總結(jié),指出本文研究的結(jié)論、不足以及研究展望。
[Abstract]:Small loan company is an important way of financing of small and micro enterprises, on the one hand, the amount of reform under the background and clear signal to the capital market huge interest driven, the number of small loan companies are still in the surge, and hand some of the private economy are particularly active in local small loan companies in the batch collapse phenomenon. The bottom is due to the small loan company credit risk identification and control ability is weak.
In recent years, the financial sector to the credit risk monitoring, assessment and management of more and more attention to the traditional credit risk evaluation method of continuous improvement renovation, hand launched a series of new credit risk assessment methods and models. However, in the commercial bank credit risk management on the use of models and methods are not fully mature suitable for small loan companies who directly apply.
I think that in our current microfinance companies and practitioners perspective, research on evaluation index and model risk for small loan companies, business performance and customer groups is very important. This paper is divided into three parts: first, introduce the credit risk evaluation of existing commercial bank mode method and the basic principle; second, introduce the characteristics of China's existing small loan companies, and the existing credit risk evaluation model is applicable to analysis on small loan company; third, pointed out that based on the credit risk evaluation model, to find a suitable method of small loan companies. According to the new features now microcredit, microfinance the company with innovative credit risk evaluation methods. Along this line, this paper consists of the following parts:
The first part is introduction. This part is mainly about my research significance, purpose, train of thought, expected contribution and so on. The key points and research methods of this paper are briefly summarized.
The second part: the literature review, the basic principle of credit risk and the existing credit risk evaluation model is briefly reviewed. This part summarizes the literature review of domestic and foreign scholars on the credit risk and risk early warning, including credit risk concept, causes, influence factors. And then summarized the academic circle in recent years, the financial sector for research credit risk evaluation model and method, introduces the foundation of credit risk evaluation index for small loan companies for the following exploration of this part of the theory.
The third part introduces the basic situation and main business case analysis in this paper the object of the JH small loan company, and differences in the characteristics of small loan companies and commercial banks to analyze the credit risk evaluation model could be small loan companies to apply. JH small loan company as the case, for the following three the reasons: first, the author worked in the company in recent months of practice, in the process of practice for small loan companies lack of credit risk evaluation ability has feelings, hope that through their research, to explore suitable for credit risk evaluation of small loan companies; second, JH microfinance limited corporate governance norms also, more emphasis on the study of the credit risk of small loan companies, the microfinance company in the leading position in the industry, the whole country is small The amount of the loan company 100, so representative; third, JH microfinance company's business covers a wide range of both traditional agricultural farmers microfinance microfinance company oriented, commercial business loan, but also a new development of technology start-ups credit and so on, can be in more ways, different modules to study credit risk the evaluation index, compared with the reference value. Especially the company's emerging technology field of credit, compared with research value. This paper from the analysis of the characteristics of customer credit technology to the field and small loan company for this type of customer is more valued concerns, credit risk evaluation according to the construction design for the below in small loan companies science and technology credit business model.
The fourth part is the core part of this paper, examples of construction of JH small loan companies, credit risk evaluation model. Using the existing credit risk evaluation theory and method of model, applicable to learn useful part of the small loan company adopted, when constructing the technology start-up enterprise customer credit risk evaluation system, the integrated use of expert experience the previous literature review method, ratio analysis, credit scoring method. In the selection of evaluation index, adopts the method of combining qualitative index and quantitative index, and solve the JH company to measure the qualitative index no problem.
The fifth part: the conclusion. This chapter is mainly the summary of this article, pointing out the conclusions of this study, the deficiency and the prospect of the research.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.39

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