本文選題：小額貸款公司 + 風(fēng)險(xiǎn)控制��； 參考：《合肥工業(yè)大學(xué)》2012年碩士論文

【摘要】：為改善農(nóng)村地區(qū)金融服務(wù)和幫助中小企業(yè)解決融資難問題,我國自2005年開展小額貸款公司試點(diǎn)工作以來,已受到實(shí)業(yè)界和理論界的極大關(guān)注。小額貸款公司在其建立和發(fā)展的過程中,遇到了來自于自身和外界環(huán)境的許多問題。這些問題具有國際性、普遍性和挑戰(zhàn)性,其中風(fēng)險(xiǎn)控制問題不僅直接影響小額貸款公司自身持續(xù)營,而且也間接影響整個(gè)金融體系的安全。因此,研究我國小額貸款公司風(fēng)險(xiǎn)控制問題具有重要的理論和現(xiàn)實(shí)意義。 本文以小額貸款公司的風(fēng)險(xiǎn)控制為研究對象,首先從小額貸款公司的定義出發(fā),明確了小額信貸的概念和基本功能,分析了國際上成功的小額信貸機(jī)構(gòu)的經(jīng)驗(yàn)及出現(xiàn)小額貸款危機(jī)信貸機(jī)構(gòu)的教訓(xùn),通過關(guān)注小額貸款公司風(fēng)險(xiǎn)層面的問題,為我國小額貸款公司的風(fēng)險(xiǎn)控制和業(yè)務(wù)發(fā)展提供了有益啟示。然后在分析我國小額貸款公司現(xiàn)狀及特點(diǎn)的基礎(chǔ)上,著重闡述我國小額貸款公司目前存在的主要風(fēng)險(xiǎn),運(yùn)用層次分析法和模糊綜合評價(jià)法,構(gòu)建我國小額貸款公司風(fēng)險(xiǎn)評價(jià)指標(biāo)體系,對我國小額貸款公司風(fēng)險(xiǎn)控制進(jìn)行綜合評價(jià),最后針對我國小額貸款公司風(fēng)險(xiǎn)控制問題提出相應(yīng)的政策建議。
[Abstract]:In order to improve the financial services in rural areas and help small and medium-sized enterprises solve the problem of financing difficulties, our country has paid great attention to the pilot work of micro-loan companies since 2005. In the process of its establishment and development, microfinance companies have encountered many problems from their own and external environment. These problems are international, universal and challenging, in which risk control issues directly affect not only the sustainability of microfinance companies themselves, but also the security of the financial system as a whole. Therefore, it is of great theoretical and practical significance to study the risk control of microfinance companies in China. In this paper, the risk control of microfinance companies as the research object, starting from the definition of microfinance companies, the concept and basic functions of microfinance, This paper analyzes the experiences of successful microfinance institutions in the world and the lessons learned from the emergence of microfinance crisis credit institutions. By paying close attention to the risk level of microfinance companies, It provides useful inspiration for risk control and business development of microfinance companies in China. Then, on the basis of analyzing the present situation and characteristics of the microfinance companies in our country, the paper emphasizes on the main risks existing in the microfinance companies in our country, and applies the analytic hierarchy process (AHP) and the fuzzy comprehensive evaluation method. This paper constructs the risk evaluation index system of micro-loan companies in China, evaluates the risk control of micro-credit companies in our country, and finally puts forward corresponding policy suggestions for the risk control problems of micro-credit companies in China.
【學(xué)位授予單位】：合肥工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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