本文選題：小額信貸　切入點：TY小額貸款公司　出處：《山東大學(xué)》2014年碩士論文

【摘要】：中國作為一個農(nóng)業(yè)大國,“三農(nóng)”問題始終是關(guān)系到國計民生、社會穩(wěn)定的重要問題。另外,改革開放以來,中小企業(yè)的數(shù)量不斷增加,中小企業(yè)在促進(jìn)我國GDP增長、解決人口就業(yè)、創(chuàng)造稅收收入等方面都發(fā)揮著重要作用。但是長期以來,我國農(nóng)村金融體制不健全、中小企業(yè)金融服務(wù)匱乏,“三農(nóng)”、中小企業(yè)融資難成為了制約我國農(nóng)村經(jīng)濟(jì)和中小企業(yè)發(fā)展的主要因素。在此背景下,2005年我國開始進(jìn)行小額貸款公司的試點工作,一批小額貸款公司相繼面世,以SDTY集團(tuán)為首的多家優(yōu)秀企業(yè)和自然人適時把握經(jīng)濟(jì)與金融發(fā)展的脈搏,與時俱進(jìn),共同籌建TY小額貸款公司。小額貸款公司的發(fā)展,主要目的就是解決“三農(nóng)”、中小企業(yè)融資難的問題。但由于其設(shè)立和經(jīng)營等方面的特殊性,小額貸款公司還隱存著一系列的風(fēng)險問題,這些風(fēng)險是否能夠得到控制將關(guān)系到小額貸款公司的生存之道、縣域經(jīng)濟(jì)的發(fā)展?fàn)顩r,甚至關(guān)系到我國金融市場的秩序。 論文以TY小額貸款公司為研究對象,通過文獻(xiàn)研究和訪談?wù){(diào)查的方法,分析其經(jīng)營過程中各種風(fēng)險產(chǎn)生的原因以及應(yīng)對策略最后得出結(jié)論：小額貸款公司作為典型的風(fēng)險管理型企業(yè),其業(yè)務(wù)、管理的特性決定了很多風(fēng)險都伴隨著小額貸款公司的經(jīng)營活動而存在,因此風(fēng)險管理是小額貸款公司生存發(fā)展的根本選擇。對于小額貸款公司來說,其面對的風(fēng)險主要是合規(guī)風(fēng)險和貸款損失風(fēng)險,但這兩類風(fēng)險產(chǎn)生的原因卻往往是因為道德風(fēng)險。也就是說,合規(guī)風(fēng)險和貸款損失風(fēng)險是影響公司目標(biāo)實現(xiàn)的直接原因,道德風(fēng)險是影響公司目標(biāo)實現(xiàn)的間接原因,也是前兩者風(fēng)險的主要誘因之一。只有通過優(yōu)化公司風(fēng)險管理體系,即形成先進(jìn)并且科學(xué)的風(fēng)險管理文化理念、構(gòu)建完整而有效的風(fēng)險管理架構(gòu)體系、建立完善和全面的內(nèi)控制度體系、實行嚴(yán)肅和具有威懾力的風(fēng)險考核、責(zé)任追究機制,才能最終實現(xiàn)小額貸款公司風(fēng)險管理的目標(biāo)。 論文的研究不僅有助于培育TY小額貸款公司形成自身的核心競爭力,使之在激烈的市場競爭中立于不敗之地。同時,論文研究得出的結(jié)論還能夠?qū)ν瑯I(yè)在制定風(fēng)險管理架構(gòu)時,提供一個可參考的范本,具有一定的指導(dǎo)意義。
[Abstract]:As a large agricultural country, the issue of "agriculture, rural areas and farmers" in China has always been an important issue related to the national economy and people's livelihood and social stability. In addition, since the reform and opening up, the number of small and medium-sized enterprises has been increasing, and small and medium-sized enterprises are promoting the growth of GDP in our country. It plays an important role in solving the problem of population employment and creating tax revenue. However, for a long time, the rural financial system in China has not been perfect. The lack of financial services for small and medium-sized enterprises, the "three rural areas", and the difficulty in financing SMEs have become the main factors restricting the development of rural economy and small and medium-sized enterprises in China. In this context, in 2005, China began to carry out the pilot work of micro-credit companies. A number of microfinance companies have emerged one after another. Many excellent enterprises and natural persons, led by the SDTY Group, have grasped the pulse of economic and financial development at the right time, kept pace with the times, and jointly prepared for the development of the TY microfinance company. The main purpose is to solve the problem of "three rural areas" and the financing difficulties of small and medium-sized enterprises. However, due to the particularity of its establishment and operation, there are still a series of risk problems hidden in microfinance companies. Whether these risks can be controlled or not will affect the survival of microfinance companies, the development of county economy, and even the order of our financial market. This paper takes TY Microloan Company as the research object, through the literature research and the interview investigation method, This paper analyzes the causes of various kinds of risks in the course of its operation and concludes that as a typical risk management enterprise, the micro-loan company has its business. The nature of management determines that many risks exist along with the business activities of microfinance companies, so risk management is the fundamental choice for the survival and development of microfinance companies. The risk it faces is mainly compliance risk and loan loss risk, but these two kinds of risks are often caused by moral hazard. That is to say, compliance risk and loan loss risk are the direct reasons that affect the realization of the company's goal. Moral hazard is the indirect reason that affects the realization of the company's goal, and it is also one of the main inducements of the former two risks. Only by optimizing the risk management system of the company, that is, to form the advanced and scientific risk management culture idea, Only by constructing a complete and effective risk management system, establishing a perfect and comprehensive internal control system, carrying out a serious and deterrent risk assessment and accountability mechanism, can we finally achieve the goal of risk management in microfinance companies. The research of this paper is not only helpful to cultivate TY microfinance company to form its own core competitiveness, so that it can be in an invincible position in the fierce market competition. At the same time, The conclusion of this paper can also provide a reference model for the development of risk management framework.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F272.3;F832.39

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本文編號：1690722