本文選題：商業(yè)銀行 + 小額信貸��； 參考：《西北大學(xué)》2013年碩士論文

【摘要】：近幾年,小額信貸在LJ農(nóng)村商業(yè)銀行得到快速發(fā)展,小額信貸總額已經(jīng)達(dá)到該行所有貸款總額的80%以上。隨著該業(yè)務(wù)的不斷增長,由此帶來的小額信貸風(fēng)險(xiǎn)及由此造成的損失也與日俱增。統(tǒng)計(jì)表明,小額信貸不良貸款已經(jīng)占據(jù)了該行所有不良貸款90%以上。因此,如何有效防范小額信貸風(fēng)險(xiǎn)成為了該行一項(xiàng)必須著力解決的課題。因此,本文提出這一課題進(jìn)行研究,試圖通過構(gòu)建專門的小額信貸風(fēng)險(xiǎn)管理體系來控制與規(guī)避風(fēng)險(xiǎn)。 論文首先對小額信貸概念及其特點(diǎn)進(jìn)行了界定,對銀行風(fēng)險(xiǎn)及小額信貸風(fēng)險(xiǎn)管理方法國內(nèi)外研究現(xiàn)狀進(jìn)行了分析與綜述,并對本文研究小額信貸風(fēng)險(xiǎn)的方法進(jìn)行了選擇。在此基礎(chǔ)上,通過對LJ農(nóng)村商業(yè)銀行小額信貸管理現(xiàn)狀進(jìn)行研究、剖析,界定、識別了該行各種小額信貸內(nèi)外部風(fēng)險(xiǎn)點(diǎn),并對風(fēng)險(xiǎn)點(diǎn)成因進(jìn)行了分析。之后,在選擇確定風(fēng)險(xiǎn)評價(jià)指標(biāo)體系的基礎(chǔ)上,構(gòu)建了行之有效的風(fēng)險(xiǎn)評價(jià)模型對各種風(fēng)險(xiǎn)進(jìn)行了評價(jià)研究,為小額信貸風(fēng)險(xiǎn)管理決策奠定了基礎(chǔ)。最后,本文借鑒國內(nèi)外小額信貸風(fēng)險(xiǎn)管理方法與經(jīng)驗(yàn),根據(jù)LJ農(nóng)村商業(yè)銀行小額信貸風(fēng)險(xiǎn)評價(jià)結(jié)論及該行特點(diǎn),提出了成立小額信貸風(fēng)險(xiǎn)管理部來專門負(fù)責(zé)小額信貸風(fēng)險(xiǎn)管理工作建議,研究設(shè)計(jì)了LJ農(nóng)村商業(yè)銀行小額信貸風(fēng)險(xiǎn)管理體系,并對這一體系進(jìn)行了實(shí)證研究,提出了實(shí)施該方案的保障措施。 論文的可能創(chuàng)新點(diǎn)有三個(gè)。一是構(gòu)建了小額信貸風(fēng)險(xiǎn)評價(jià)模型與評價(jià)方法；二是提出了設(shè)置專門的小額信貸風(fēng)險(xiǎn)管控部,改善了小額信貸業(yè)務(wù)流程；三是提出了實(shí)現(xiàn)小額信貸業(yè)務(wù)拓展與風(fēng)險(xiǎn)規(guī)避的對策與建議等。
[Abstract]:In recent years, microfinance has developed rapidly in LJ rural commercial banks, and the total amount of microcredit has reached more than 80 percent of the total loan amount of the bank. As the business continues to grow, the resulting microfinance risk and the resulting losses are increasing. Statistics show that microfinance non-performing loans have occupied more than 90% of all bad loans. Therefore, how to effectively prevent microfinance risk has become a subject that must be solved. Therefore, this paper puts forward this subject and tries to control and avoid risks by constructing a special microfinance risk management system. Firstly, this paper defines the concept and characteristics of microfinance, analyzes and summarizes the present research situation of bank risk and microfinance risk management methods at home and abroad, and selects the methods of this paper to study microfinance risk. On this basis, through the study of the current situation of microfinance management in LJ rural commercial banks, this paper analyzes, defines and identifies the internal and external risk points of the bank, and analyzes the causes of the risk points. Then, on the basis of selecting and determining the index system of risk evaluation, an effective risk evaluation model is constructed to evaluate and study the various risks, which lays a foundation for the decision-making of micro-credit risk management. Finally, this article draws lessons from the domestic and foreign microfinance risk management method and experience, according to the LJ rural commercial bank microfinance risk evaluation conclusion and the bank characteristic, This paper puts forward the suggestion of setting up the micro-credit risk management department to be in charge of the micro-credit risk management, studies and designs the micro-credit risk management system of the LJ rural commercial bank, and carries on the empirical research to this system. The safeguard measures for the implementation of the scheme are put forward. There are three possible innovations in the paper. The first is to set up the model and method of microfinance risk assessment, the other is to set up a special microfinance risk control department to improve the microfinance business process. Third, it puts forward the countermeasures and suggestions to realize the development of microfinance business and risk aversion.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊紅麗;辛瑞;;農(nóng)戶小額信貸風(fēng)險(xiǎn)預(yù)警體系的創(chuàng)立[J];商業(yè)研究;2009年06期

2 陳冠華;楊曉奇;;資本充足監(jiān)管與商業(yè)銀行風(fēng)險(xiǎn)的實(shí)證分析[J];財(cái)經(jīng)問題研究;2010年05期

3 張強(qiáng);武次冰;;金融危機(jī)下我國商業(yè)銀行資本約束的逆周期性研究[J];財(cái)經(jīng)理論與實(shí)踐;2010年01期

4 張強(qiáng);武次冰;易宇;;我國商業(yè)銀行資本充足率的提升途徑分析[J];西部論壇;2010年02期

5 葉良藝;商業(yè)銀行資本充足性管制的緊縮效應(yīng)探析[J];金融論壇;2002年09期

6 王曉龍;周好文;;銀行資本監(jiān)管與商業(yè)銀行風(fēng)險(xiǎn)——對中國13家商業(yè)銀行的實(shí)證研究[J];金融論壇;2007年07期

7 韓涵;;國有商業(yè)銀行操作風(fēng)險(xiǎn)及其控制研究[J];財(cái)政監(jiān)督;2006年06期

8 劉仁慧;季大為;;資本補(bǔ)充新規(guī)對商業(yè)銀行資本充足率的影響[J];東方企業(yè)文化;2010年02期

9 林麗瓊;;小額信貸:近期文獻(xiàn)述評[J];福建教育學(xué)院學(xué)報(bào);2007年04期

10 鄧楊豐;麥仲山;;提高我國銀行資本充足率的途徑分析[J];南方金融;2006年05期

，

本文編號：2018809