本文關(guān)鍵詞：商業(yè)銀行小額貸款風(fēng)險管理研究　出處：《華南理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 小額貸款 風(fēng)險管理 阿里小貸

【摘要】：小額貸款指的是在不需要客戶提供抵押擔(dān)保的情況下，為那些分散的低收入階層、個體戶和小微企業(yè)提供的一種額度較低的信貸服務(wù)。對商業(yè)銀行而言，小額貸款具有風(fēng)險較顯著，成本高等特征，直接導(dǎo)致商業(yè)銀行沒有動力去積極開拓小額貸款業(yè)務(wù)。學(xué)界在商業(yè)銀行“要不要發(fā)展小額貸款”和“應(yīng)該怎么樣發(fā)展小額貸款”這兩個問題上一直存在一些不同的看法。 在緒論部分，本文首先指出商業(yè)銀行加快發(fā)展小額貸款業(yè)務(wù)是形勢所需，肯定了商業(yè)銀行“要發(fā)展小額貸款”。接著在“應(yīng)該怎么樣發(fā)展小額貸款”這個問題上，本文認(rèn)為小額貸款的風(fēng)險較顯著是制約商業(yè)銀行小額貸款的最關(guān)鍵性的因素。因此需要著重解決商業(yè)銀行小額貸款風(fēng)險管理問題，這也是本文研究的主題與核心。 通過分析我們發(fā)現(xiàn)商業(yè)銀行小額貸款的風(fēng)險管理存在三個方面的缺陷：貸前調(diào)查所依據(jù)的信用評級體系有待完善；貸中審查時，支持小額貸款風(fēng)險決策的數(shù)據(jù)分析能力不強；貸后風(fēng)險管理薄弱。本文從風(fēng)險管理的流程和機(jī)制兩方面對其進(jìn)行優(yōu)化。機(jī)制改革方面，需要進(jìn)一步優(yōu)化小額貸款評分模型，豐富信貸征信系統(tǒng)信息，提升數(shù)據(jù)挖掘與數(shù)據(jù)分析的能力。流程創(chuàng)新方面，積極拓展第三方評級市場，構(gòu)建合理的資金閉合回路。通過這兩個方面的優(yōu)化，可以有效提高商業(yè)銀行小額貸款的風(fēng)險管理水平，實現(xiàn)商業(yè)銀行小額貸款的健康持續(xù)發(fā)展。 最后本文以阿里小貸新型風(fēng)險管理案例論證了本文的觀點。指出阿里小貸在風(fēng)險管理上的優(yōu)勢——較完整的交易數(shù)據(jù)庫以及相對成熟的信用評價體系，強大的數(shù)據(jù)分析和數(shù)據(jù)支持決策能力，，獨特的封閉流程，恰當(dāng)?shù)牡盅何锸瞧淠茉诟偁幖ち业男☆~貸款市場上脫穎而出的重要原因。
[Abstract]:Microfinance is a credit facility that provides a lower amount of credit to a dispersed low-income group, self-employed and microenterprise without the need for a client to provide collateral. For commercial banks. Microfinance is characterized by significant risk and high cost. As a direct result, commercial banks have no incentive to actively develop microfinance business. Academic circles in commercial banks "want to develop small loans" and "how to develop small loans" There have been some different views on these two issues. In the introduction part, this paper first points out that it is necessary for commercial banks to speed up the development of microfinance business. Affirmed the commercial bank "want to develop small loans". Then on the "how to develop small loans" on this issue. This paper thinks that the risk of small loans is the most important factor that restricts the commercial banks' small loans, so it is necessary to solve the problem of risk management of commercial banks' small loans. This is also the theme and core of this study. Through the analysis, we find that there are three defects in the risk management of commercial bank microfinance: the credit rating system based on the pre-loan investigation needs to be improved; At the time of loan review, the ability of data analysis to support micro-loan risk decision is not strong; The risk management after loan is weak. This paper optimizes the risk management from two aspects: the process and mechanism of risk management. In the aspect of mechanism reform, it is necessary to further optimize the micro-credit scoring model and enrich the information of credit information system. Improve the ability of data mining and data analysis. Process innovation, actively expand the third-party rating market, build a reasonable closed loop. Through these two aspects of optimization. It can effectively improve the risk management level of commercial bank microfinance, and realize the healthy and sustainable development of commercial bank microfinance. Finally, this paper demonstrates the viewpoint of this paper with the new risk management case of Ali small loan. It points out the advantage of Ali small loan in risk management-a relatively complete transaction database and a relatively mature credit evaluation system. Strong data analysis and data support decision-making ability, unique closed process, appropriate collateral are the important reasons why it can stand out in the highly competitive microfinance market.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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