本文關(guān)鍵詞：基于AHP模型的小額貸款公司信用風(fēng)險管理研究　出處：《貴州財經(jīng)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： 小額貸款 信用風(fēng)險 AHP信用評估模型 風(fēng)險管理

【摘要】：本文通過對小額貸款的產(chǎn)生、發(fā)展以及對小額貸款機(jī)構(gòu)在全球范圍內(nèi)的信用風(fēng)險管理方面研究的梳理，不難發(fā)現(xiàn)金融界對信用風(fēng)險的管理模式存在著一種從定性管理到定量管理，從簡單的主觀推斷到客觀的數(shù)學(xué)運(yùn)算的發(fā)展趨勢。但是，實際上小額貸款機(jī)構(gòu)對信用風(fēng)險的管理卻與先進(jìn)的理論相去甚遠(yuǎn)，尤其是那些微型金融機(jī)構(gòu)，由于人才緊缺，管理顯得非�；靵y。而小額貸款機(jī)構(gòu)在開展貸款業(yè)務(wù)時，主要還是依靠信貸員的主觀定性評估，這樣就會產(chǎn)生很多的問題，比如信貸員為了提高業(yè)績而故意放寬貸款條件。這些問題都不容小覷，是小額貸款機(jī)構(gòu)面臨的重要問題，有待進(jìn)一步解決。 這種情況下，就急需一種準(zhǔn)確的、統(tǒng)一的、客觀的以及能夠定量分析的信用風(fēng)險評估方法，隨著這種信用風(fēng)險評估方法的引入，傳統(tǒng)的專家評分法潛在的問題就在很大程度上得到了解決。引入AHP信用風(fēng)險評估模型之后，在開展貸款業(yè)務(wù)時，信貸員就必須對客戶資料進(jìn)行收集，繼而采用AHP信用風(fēng)險評估系統(tǒng)對其進(jìn)行信用評分，將所得的數(shù)值同參考值進(jìn)行比較，最后根據(jù)所得比較值的大小來決定是否放貸以及放貸的多少。這種貸款決策就避免了信貸員為了提高自己的業(yè)績而故意放寬貸款條件。不僅如此，，因為這種信用風(fēng)險評估系統(tǒng)具有公正性、客觀性，也能避免由于信貸員水平的差異而造成的貸款決策差異甚至決策背離，有利于對貸款業(yè)務(wù)的統(tǒng)一、規(guī)范管理。 采用AHP信用風(fēng)險評估模型進(jìn)行貸款決策，具有簡單、易行、快速、高效的好處，小額貸款機(jī)構(gòu)對信貸員數(shù)量的依賴性就相對降低，自然就降低了業(yè)務(wù)成本，而貸款的效率卻不降反增。由此可見，對小額貸款機(jī)構(gòu)而言，引入AHP信用評分模型對信用風(fēng)險進(jìn)行管理是非常重要的，具有劃時代的意義。
[Abstract]:In this paper, the emergence, development and credit risk management of micro-credit institutions in the global scope of the comb. It is not difficult to find that the management mode of credit risk in financial circles has a developing trend from qualitative management to quantitative management, from simple subjective inference to objective mathematical operation. In fact, the management of credit risk by microfinance institutions is far from the advanced theory, especially those micro-financial institutions, because of the shortage of talents. The management is very confused. But the microfinance institutions in the development of loan business, or mainly rely on the subjective qualitative assessment of credit officers, so that there will be a lot of problems. For example, credit officers deliberately relax loan conditions in order to improve their performance. These problems are not to be underestimated. They are important problems facing microfinance institutions and need to be further resolved. In this case, there is an urgent need for an accurate, unified, objective and quantitative credit risk assessment method, with the introduction of this credit risk assessment method. The potential problem of traditional expert scoring method is solved to a large extent. After the introduction of AHP credit risk assessment model, the credit officer must collect customer information when developing loan business. Then AHP credit risk assessment system is used to evaluate its credit score, and the obtained value is compared with the reference value. Finally, depending on the value of the comparison, you decide whether to lend and how much you lend. This kind of loan decision avoids the credit officer deliberately relaxing loan conditions to improve his performance. Not only that. Because the credit risk evaluation system is impartial and objective, it can avoid the difference of loan decision and even the deviation of decision caused by the difference of credit officer level, which is beneficial to the unification of loan business. Standardized management. Using AHP credit risk assessment model to make loan decisions has the advantages of simple, easy, fast and efficient, and the dependence of microfinance institutions on the number of credit officers is relatively reduced. Naturally, the cost of business is reduced, but the efficiency of loans is not reduced, but increased. Thus, it is very important to introduce AHP credit scoring model to manage credit risk. Of epoch-making significance.
【學(xué)位授予單位】：貴州財經(jīng)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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