【摘要】：小額貸款公司的設(shè)立不僅能夠?qū)V大小企業(yè)、個(gè)體戶等提供貸款支持,并且對(duì)完善我國金融體系結(jié)構(gòu),促進(jìn)我國市場經(jīng)濟(jì)健康發(fā)展起到不可替代作用。我國的小額貸款行業(yè)起步較晚,其發(fā)展管理存在諸多困難。如何在目前我國的市場環(huán)境下,提升小額貸款公司的風(fēng)險(xiǎn)管理實(shí)力,保障其持續(xù)健康經(jīng)營,是關(guān)系到小額貸款公司發(fā)展前景的重要課題。本文正是在這一背景下,對(duì)婁底市匯豐小額貸款公司的風(fēng)險(xiǎn)管理問題進(jìn)行了研究,分析出其發(fā)展過程中所存在的風(fēng)險(xiǎn),并對(duì)其風(fēng)險(xiǎn)原因進(jìn)行分析,結(jié)合理論與國內(nèi)外實(shí)踐經(jīng)驗(yàn),為婁底市匯豐小額貸款公司的風(fēng)險(xiǎn)管理提供相應(yīng)的建議,也為其他類似的小額貸款公司提供一定的參考。 本文首先對(duì)國內(nèi)外相關(guān)研究現(xiàn)狀進(jìn)行分析的基礎(chǔ)上,對(duì)相關(guān)的理念進(jìn)行了研究,包括小額貸款的基本概念、特點(diǎn)；信貸風(fēng)險(xiǎn)管理理論,包括信貸風(fēng)險(xiǎn)的類型,真實(shí)票據(jù)理論、資本轉(zhuǎn)換理論等,以及金融機(jī)構(gòu)信貸風(fēng)險(xiǎn)管理的主要做法等。對(duì)婁底市匯豐小額貸款公司風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行了分析,包括公司介紹、風(fēng)險(xiǎn)管理機(jī)制、流程等,并指出了目前匯豐公司風(fēng)險(xiǎn)管理上的問題,包括小額貸款產(chǎn)品設(shè)計(jì)上存在一定的局限性,包括貸款成本壓力較大,重發(fā)展、輕風(fēng)險(xiǎn)管理的思想較為普遍,貸前、貸中、貸后管理中的問題,公司自身也面臨著融資難的問題等。由于國外小額貸款公司具有較長的發(fā)展歷程,積累了較為豐富的經(jīng)驗(yàn),因此本文對(duì)孟加拉格萊珉銀行、印尼人民銀行和玻利維亞陽光銀行的風(fēng)險(xiǎn)管理經(jīng)驗(yàn)進(jìn)行了分析,并提出了借鑒意義,包括充分利用老客戶和熟人資源,簡化手續(xù)的同時(shí)健全監(jiān)督機(jī)制,加強(qiáng)與政府、金融機(jī)構(gòu)的合作,推行小企業(yè)聯(lián)保體貸款等�；谏鲜龇治�,本文提出婁底市匯豐小額貸款公司風(fēng)險(xiǎn)管理相關(guān)的建議,包括加強(qiáng)地區(qū)行業(yè)分析,優(yōu)化產(chǎn)品線,規(guī)范業(yè)務(wù)操作流程,合理控制貸款業(yè)務(wù)的成本,加大對(duì)貸款的監(jiān)測與審計(jì)力度,積極推動(dòng)匯豐公司改制為村鎮(zhèn)銀行等。
[Abstract]:The establishment of micro-loan companies can not only provide loan support to the vast number of small enterprises and self-employed households, but also play an irreplaceable role in perfecting the structure of our financial system and promoting the healthy development of our market economy. China's microfinance industry started late, and there are many difficulties in its development and management. How to improve the risk management strength of microfinance companies and ensure their sustainable and healthy operation in the current market environment of our country is an important topic related to the prospects of the development of microfinance companies. Under this background, this paper studies the risk management of HSBC Microloan Company in Loudi, analyzes the risks in the process of its development, analyzes the risk reasons, and combines the theory with the practical experience at home and abroad. For the Loudi City HSBC microfinance company risk management to provide corresponding advice, but also for other similar microfinance companies to provide some reference. Firstly, based on the analysis of the current research situation at home and abroad, this paper studies the related concepts, including the basic concepts and characteristics of microfinance; The theory of credit risk management includes the types of credit risk, the theory of real instruments, the theory of capital conversion, and the main methods of credit risk management in financial institutions. This paper analyzes the present situation of risk management of HSBC Microloan Company in Loudi, including company introduction, risk management mechanism, process and so on, and points out the current problems in risk management of HSBC Corporation. Including some limitations in the design of micro-loan products, including the high pressure of loan cost, the emphasis on development, the widespread idea of overlooking risk management, the problems in management before, during and after loans, The company itself is also faced with financing difficulties and so on. As foreign microfinance companies have a long history of development and accumulated rich experience, this paper analyzes the risk management experience of Grameen Bank of Bangladesh, people's Bank of Indonesia and Bolivian Sunshine Bank. The paper also puts forward the significance of reference, including making full use of the resources of old customers and acquaintances, simplifying the procedures and perfecting the supervision mechanism, strengthening the cooperation with the government and financial institutions, and carrying out the small enterprise UNPROFOR loan and so on. Based on the above analysis, this paper puts forward some suggestions on risk management of HSBC Microloan Company in Loudi, including strengthening regional industry analysis, optimizing product line, standardizing business operation flow, and reasonably controlling the cost of loan business. Strengthen the monitoring and audit of loans, actively promote the restructuring of HSBC into village banks and so on.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F272.3;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 趙巖青;何廣文;;聲譽(yù)機(jī)制、信任機(jī)制與小額信貸[J];金融論壇;2008年01期

2 吳小平;;我國商業(yè)銀行信貸風(fēng)險(xiǎn)管理及對(duì)策分析[J];科技和產(chǎn)業(yè);2008年07期

3 劉娜;遲寶旭;馬翠萍;;哈爾濱銀行小額信貸業(yè)務(wù)存在的風(fēng)險(xiǎn)及規(guī)避對(duì)策[J];產(chǎn)業(yè)與科技論壇;2008年12期

4 劉暉;;農(nóng)村信用合作社小額信貸的風(fēng)險(xiǎn)與防范[J];當(dāng)代經(jīng)濟(jì);2008年10期

5 楊虎鋒;張群;謝昊男;;農(nóng)村小額信貸產(chǎn)品、經(jīng)營績效與風(fēng)險(xiǎn)控制[J];地方財(cái)政研究;2010年07期

6 陳紅兵;;小額貸款發(fā)展與風(fēng)險(xiǎn)管理研究[J];湖北農(nóng)村金融研究;2009年08期

7 黎和貴;;國外農(nóng)村金融體系的制度安排及經(jīng)驗(yàn)借鑒[J];國際金融研究;2009年01期

8 陳璞;;關(guān)于房地產(chǎn)經(jīng)紀(jì)業(yè)務(wù)風(fēng)險(xiǎn)管理的探討[J];福建建材;2009年04期

9 馮月聯(lián);許月明;冀曉娜;黎鴻艷;王志國;;我國農(nóng)業(yè)保險(xiǎn)現(xiàn)狀分析及發(fā)展對(duì)策[J];河北農(nóng)業(yè)大學(xué)學(xué)報(bào)(農(nóng)林教育版);2006年01期

10 楊月輝;;郵政儲(chǔ)蓄銀行小額信貸風(fēng)險(xiǎn)管理初探[J];華商;2008年20期

，

本文編號(hào)：2420176