本文選題：消費(fèi)金融 + 消費(fèi)金融公司��； 參考：《安徽大學(xué)》2017年碩士論文

【摘要】：長期以來,"投資"、"出口"、"消費(fèi)"是拉動我國經(jīng)濟(jì)增長的"三駕馬車",在近年來投資和出口拉動國民經(jīng)濟(jì)動力不足的情況下,消費(fèi)主導(dǎo)經(jīng)濟(jì)成為我國經(jīng)濟(jì)發(fā)展的必然趨勢。消費(fèi)主導(dǎo)型經(jīng)濟(jì)刺激了內(nèi)需,衍生了巨大的消費(fèi)金融市場,使得更多金融機(jī)構(gòu)進(jìn)入消費(fèi)金融領(lǐng)域,消費(fèi)金融公司就是這一領(lǐng)域的主要金融機(jī)構(gòu)之一。我國從2009年開始頒布消費(fèi)金融公司試點(diǎn)辦法,2010年設(shè)立全國第一家試點(diǎn)的消費(fèi)金融公司,隨著消費(fèi)金融行業(yè)的發(fā)展和消費(fèi)金融公司試點(diǎn)數(shù)量的逐步增加,有關(guān)消費(fèi)金融及消費(fèi)金融公司的研究成為當(dāng)前理論界的熱點(diǎn),但是當(dāng)前理論界研究的主要是消費(fèi)金融公司的運(yùn)營模式和發(fā)展?fàn)顩r,人們對消費(fèi)金融公司的內(nèi)部管理、尤其是風(fēng)險(xiǎn)控制情況的研究成果較少。而消費(fèi)金融公司屬于類銀行的金融機(jī)構(gòu),金融機(jī)構(gòu)的風(fēng)險(xiǎn)控制對消費(fèi)金融公司的發(fā)展有至關(guān)重要的影響,因此有效的風(fēng)險(xiǎn)控制對于保證消費(fèi)金融行業(yè)健康穩(wěn)定發(fā)展、深入研究消費(fèi)金融公司的風(fēng)險(xiǎn)控制問題是非常必要的。本文基于上述原因,對消費(fèi)金融行業(yè)進(jìn)行深入分析,對消費(fèi)金融行業(yè)的代表性企業(yè)消費(fèi)金融公司開展了研究。本文共分為五章。第一章緒論主要介紹了本文的研究背景和意義,對國內(nèi)外學(xué)者有關(guān)消費(fèi)金融行業(yè)和消費(fèi)金融公司風(fēng)險(xiǎn)控制方向的研究情況進(jìn)行了回顧,并且詳細(xì)介紹了本文的研究思路和方法,同時(shí)提出了本文的創(chuàng)新點(diǎn)與特色。第二章是本文研究的理論基礎(chǔ),對消費(fèi)金融的涵義、消費(fèi)金融公司的涵義及特點(diǎn)、全面管理理論、巴塞爾協(xié)議和商業(yè)銀行資本管理辦法分別進(jìn)行了介紹。第三章是對HR消費(fèi)金融公司的具體案例現(xiàn)狀進(jìn)行分析,首先對我國消費(fèi)金融公司的發(fā)展現(xiàn)狀進(jìn)行介紹,其次對HR消費(fèi)金融公司從概況和業(yè)務(wù)特色方面進(jìn)行介紹,最后根據(jù)對HR消費(fèi)金融公司風(fēng)險(xiǎn)控制的現(xiàn)狀分析提出HR消費(fèi)金融公司風(fēng)險(xiǎn)控制存在的問題。第四章是在前一章對風(fēng)險(xiǎn)控制情況分析的基礎(chǔ)上,有的放矢的針對上面提出的問題大致從客戶資質(zhì)、技術(shù)建設(shè)、監(jiān)督機(jī)制、風(fēng)險(xiǎn)考核四個方面提出改進(jìn)建議。最后第五章是對本文研究進(jìn)行的總結(jié)和展望,總結(jié)了本文研究成果,展望了本文在已經(jīng)做出深入研究分析的基礎(chǔ)上仍然存在欠妥之處。
[Abstract]:For a long time, "investment", "export" and "consumption" are the "troika" to stimulate the economic growth of our country. In recent years, when the investment and export drive the national economy to be insufficient, the consumption-oriented economy has become the inevitable trend of our country's economic development. The consumption-oriented economy stimulates domestic demand and gives rise to a huge consumer financial market, which makes more financial institutions enter the consumer finance field. Consumer finance companies are one of the main financial institutions in this field. China began to promulgate the pilot measures for consumer finance companies in 2009. In 2010, China established the first pilot consumer finance company in China. With the development of consumer finance industry and the gradual increase of the number of pilot projects of consumer finance companies, The research on consumer finance and consumer finance companies has become a hot topic in the current theoretical circle. However, the current theoretical field mainly studies the operation mode and development situation of consumer finance companies, and the internal management of consumer finance companies. Especially, the research results of risk control are few. But the consumer finance company belongs to the kind of bank financial institution, the financial institution's risk control has the vital influence to the consumer finance company's development, therefore the effective risk control is to guarantee the consumption finance profession to develop healthily and stably. It is necessary to study the risk control of consumer finance companies in depth. Based on the above reasons, this paper makes a thorough analysis of the consumer finance industry, and studies the representative enterprises of the consumer finance industry, the consumer finance company. This paper is divided into five chapters. The first chapter mainly introduces the research background and significance of this paper, reviews the research situation of domestic and foreign scholars on the direction of risk control of consumer finance industry and consumer finance companies, and introduces the research ideas and methods in detail. At the same time, the innovation and characteristics of this paper are put forward. The second chapter is the theoretical basis of this study, the meaning of consumer finance, the meaning and characteristics of consumer finance companies, comprehensive management theory, Basel Accord and commercial bank capital management methods are introduced. The third chapter is to analyze the specific case of HR consumer finance company. Firstly, it introduces the current situation of the development of consumer finance company in China. Secondly, it introduces the general situation and business characteristics of HR consumer finance company. Finally, according to the current situation of risk control of HR consumer finance company, the problems of risk control of HR consumer finance company are put forward. The fourth chapter is based on the analysis of the risk control situation in the previous chapter, aiming at the problems raised above from customer qualification, technical construction, supervision mechanism, risk assessment four aspects of improvement suggestions. Finally, the fifth chapter is the summary and prospect of this study, summarizes the research results of this paper, and looks forward to the shortcomings of this paper on the basis of in-depth research and analysis.
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.39

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