本文關(guān)鍵詞： 安徽省 小額貸款公司 風(fēng)險(xiǎn)　出處：《安徽農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村小額貸款的產(chǎn)生是一種具有革命性意義的金融創(chuàng)新。起初,這種金融服務(wù)機(jī)構(gòu)是以扶助貧困、促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展為宗旨�；蛘吒唧w的說(shuō),它的出現(xiàn),彌補(bǔ)了傳統(tǒng)商業(yè)銀行和農(nóng)村村鎮(zhèn)銀行及農(nóng)村信用合作社在農(nóng)村金融服務(wù)方面的空白,即一些被其它金融機(jī)構(gòu)排除在外的低收入群體。本文以安徽省農(nóng)村小額貸款公司作為研究對(duì)象,并且實(shí)地考察了十幾家小額貸款公司實(shí)際情況,發(fā)現(xiàn)這些公司都面臨著獨(dú)特的地域性的風(fēng)險(xiǎn)。鑒于此,如何化解和規(guī)避安徽省內(nèi)的小額貸款公司的風(fēng)險(xiǎn)成為了亟待解決的問(wèn)題。本文研究的主要內(nèi)容主要包括以下幾個(gè)方面：第一,綜述了國(guó)內(nèi)外關(guān)于農(nóng)村小額貸款公司及風(fēng)險(xiǎn)管理的研究現(xiàn)狀,發(fā)現(xiàn)現(xiàn)有的研究成果對(duì)小額貸款公司的風(fēng)險(xiǎn)類別的界定存在很大的分歧,沒(méi)有實(shí)際可操作的用于度量潛在風(fēng)險(xiǎn)的指標(biāo)體系,并且大多集中于宏觀層面的研究,對(duì)微觀某省的研究較少。第二,分析了安徽省內(nèi)小額貸款公司貸款期限、貸款結(jié)構(gòu)、需求與供給情況,總結(jié)省內(nèi)小額貸款公司的現(xiàn)狀及其存在的問(wèn)題及風(fēng)險(xiǎn),以便為后一部分的風(fēng)險(xiǎn)分析奠定基礎(chǔ)。第三,分別從內(nèi)外部?jī)蓚�(gè)層次分析了潛在的風(fēng)險(xiǎn),內(nèi)部方面包括員工知識(shí)體系的更新、內(nèi)部風(fēng)險(xiǎn)的控制、資金流動(dòng)的風(fēng)險(xiǎn)、違規(guī)風(fēng)險(xiǎn)和經(jīng)營(yíng)戰(zhàn)略的風(fēng)險(xiǎn),外部則包括稅務(wù)負(fù)擔(dān)、監(jiān)管風(fēng)險(xiǎn)、政策法律風(fēng)險(xiǎn)以及其他外部不可控風(fēng)險(xiǎn)。最后,是本文的結(jié)論、局限性和展望。結(jié)合以上的分析,筆者創(chuàng)造性的提出了降低風(fēng)險(xiǎn)和防范風(fēng)險(xiǎn)的可操作性建議,以期為安徽省的小額貸款公司健康發(fā)展貢獻(xiàn)力量,包括：提供政策支持環(huán)境,加強(qiáng)內(nèi)部監(jiān)控,招募風(fēng)控人才,標(biāo)準(zhǔn)化風(fēng)險(xiǎn)評(píng)級(jí)量表,穩(wěn)扎穩(wěn)打切忌盲目擴(kuò)張等。
[Abstract]:The emergence of rural microfinance is a revolutionary financial innovation. At first, the purpose of this kind of financial service institutions was to help the poor and promote the development of the rural economy. Or, more specifically, it appeared. It has made up for the gap in rural financial services between traditional commercial banks, rural village banks and rural credit cooperatives. That is, some low-income groups excluded by other financial institutions. This paper takes the rural microfinance companies in Anhui Province as the research object, and investigates the actual situation of more than a dozen microfinance companies on the spot. To discover that these companies are exposed to unique regional risks. How to resolve and avoid the risks of microfinance companies in Anhui Province has become an urgent problem. The main contents of this paper include the following aspects: first, This paper summarizes the current situation of research on rural microfinance companies and risk management at home and abroad, and finds that the existing research results have great differences on the definition of risk categories of micro-credit companies. There is no practical operational index system to measure potential risk, and most of them focus on macro level research, but there is little research on micro province. Secondly, the paper analyzes the loan term and loan structure of micro-loan companies in Anhui Province. In order to lay a foundation for the risk analysis of the latter part, the paper analyzes the potential risks from the internal and external levels, respectively, in the light of the demand and supply situation, and summarizes the current situation and the existing problems and risks of the micro-credit companies in the province, in order to lay a foundation for the risk analysis in the latter part. The internal aspects include the updating of the employee's knowledge system, the control of internal risk, the risk of capital flow, the risk of violation and the risk of management strategy, while the external aspects include tax burden, supervision risk, Finally, it is the conclusion, limitation and prospect of this paper. Combined with the above analysis, the author creatively puts forward some feasible suggestions to reduce risk and prevent risk. In order to contribute to the healthy development of small loan companies in Anhui Province, including: to provide policy support environment, strengthen internal monitoring, recruitment risk control talent, standardized risk rating scale, steady against blind expansion.
【學(xué)位授予單位】：安徽農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.43

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