本文選題：小額貸款公司 + 信用風險�。� 參考：《武漢工程大學》2014年碩士論文

【摘要】：根據(jù)小根據(jù)小額信貸的農(nóng)村金融體系的改革和發(fā)展現(xiàn)狀，中國政府逐步探索形式，，符合國情的小額貸款公司,希望通過小額貸款公司的建立可以彌補我國金融市場的不足，向各種面臨著經(jīng)濟困難和融資論難的小企業(yè)或農(nóng)戶提供資金支持。小額貸款公司的建立還可以吸收社會剩余勞動力，解決就業(yè)問題，同時收窄富人與窮人，城市與農(nóng)村之間的差距，以促進經(jīng)濟發(fā)展。2005年10月，中國人民銀行在五個省份和地區(qū)推出小額貸款公司服務項目。在此之后，小額貸款公司在中國的不同地區(qū)蓬勃發(fā)展，其中許多公司已經(jīng)可以作為我國金融服務的重要后備儲存能量。截至貳零壹貳年底，全國范圍內(nèi)小額貸款公司的總量已經(jīng)達到一定水平，達到6080家，上升了48.78%。我國的小額貸款金額達592.138百萬人民幣，增長了51.24%.小額貸款公司為很多經(jīng)濟困難的經(jīng)濟主體解決了資金問題，為中小企業(yè)和農(nóng)業(yè)的發(fā)展做出了貢獻。 本文以武漢C小額貸款公司研究對象，介紹了武漢C小額貸款公司的信用風險現(xiàn)狀，觀察其經(jīng)營的資產(chǎn)情況、貸款組合情況、貸款資產(chǎn)質(zhì)量，從中分析，找出了發(fā)生信用風險在于經(jīng)營時間短、擔保措施以保證為主、對外融資有限、資本金影響業(yè)務量、內(nèi)部管理流程不規(guī)范等成因，分析該公司的信用風險存在業(yè)務流程不規(guī)范、員工素質(zhì)不高、可供融資渠道狹窄、貸款擔保能力較弱的問題，并以此，針對這些問題提出來相應的控制措施的建議，為其公司的信用風險相關防范與控制的措施提供參考。論文第一章緒論提出論文的寫作內(nèi)容、思路及方法；第二章介紹了信用風險的內(nèi)涵、特征和相關的研究，以及在小額貸款行業(yè)中信用風險的界定和特點；第三章對我國小額貸款行業(yè)的發(fā)展歷程和概況進行闡述，并對湖北省的小額貸款行業(yè)現(xiàn)狀進行分析，歸納出其表現(xiàn)的特點；第四章、第五章分析武漢C小額貸款公司目前的經(jīng)營現(xiàn)狀、信用風險控制現(xiàn)狀，找出形成信用風險的成因及問題；第六章、第七章基于成因及問題提出解決對策和建議，提高武漢C小額貸款公司信用風險防范能力，最終總結(jié)全文內(nèi)容得出結(jié)論。 結(jié)論反映出小額貸款公司是適應我國社會進步和經(jīng)濟體制變化而產(chǎn)生的，一種具有創(chuàng)新意義的組織。相較于銀行傳統(tǒng)的“有存有貸”的商業(yè)模式，小額貸款公司的“只貸不存”的商業(yè)模式，算是一種“特立獨行”的進步。有專家就曾今指出，之所以窮人越窮富人越富，那是因為窮人把自己賺的錢都存在銀行貶值，而富人卻是向銀行借錢賺更多的錢。雖然這句話只是口頭上的評論，不是什么正規(guī)的言論和思想理論，但是在一定的程度上還是講出了現(xiàn)在窮人的處境，窮人很難在銀行貸到大額的資金。不過小額貸款公司就不一樣，它的出現(xiàn)一定程度的解決了這一問題，它對于縮小貧困差距還是有很大的貢獻。首先，小額貸款公司能更合理的運用民間的閑散資本；其次貸款的門檻降低可以有效的刺激普通老百姓創(chuàng)業(yè)，提高就業(yè)率；最后小額貸款公司能夠給微小型企業(yè)提供資金，增加微小型企業(yè)的存活幾率，促進我國經(jīng)濟的發(fā)展。
[Abstract]:According to according to the reform and development of the status of microfinance in rural financial system, the government China gradually explore the form, meet the conditions of the small loan company, hope that through the establishment of small loan companies can make up for lack of financial market in our country, to facing economic difficulties and difficult financing of small businesses or households provide funds to support the establishment of small. Loan companies can also absorb social surplus labor, solve the employment problem, and narrowing of the rich and the poor, the gap between city and countryside, promote economic development by.2005 in October, the people's Bank of China launched services of small loan companies in five provinces and regions. After this, the vigorous development of microfinance companies in different regions of the China among them, many companies have already can be used as an important reserve of China's financial services as Erlingyier energy. At the end of the year, nationwide The total amount of small loan company has reached a certain level, reached 6080, up 48.78%. of China's small loan amount of 592 million 138 thousand yuan, an increase of 51.24%. small loan companies for many economic difficulties of the economic subject to solve the funding problem, make a contribution for the development of small and medium-sized enterprises and agriculture.
In this paper, the research object of Wuhan C microfinance company, introduces the credit risk status of Wuhan C microfinance company, observe the assets of its business portfolio of loans, loan asset quality, from the analysis, find out the credit risk management in the short time, security measures to ensure that the main external financing, LIMITED capital effect the volume of business, internal management process is not standardized in existing non-standard business processes of the company's credit risk analysis, the quality of staff is not high, and the narrow channels of financing, loan guarantee ability is weak, and in order to solve these problems put forward the corresponding control measures proposed to provide a reference for the company's credit risk the relevant prevention and control measures. Writing the content of Chapter 1 is the introduction which puts forward the ideas and methods; the second chapter introduces the connotation of credit risk, characteristics and related research, The definition and characteristics of risk and in the microfinance industry in credit; the third chapter overview of the industry and the development of microfinance in China is expounded, and the present situation of Hubei province microfinance industry analysis, summed up its features; the fourth chapter, the fifth chapter analyzes the operation status of Wuhan C microfinance company at present. The credit risk control situation, find out the problems and the causes of formation of credit risk; the sixth chapter, the seventh chapter based on the causes and puts forward some countermeasures and suggestions to improve the C, Wuhan small loan companies, credit risk prevention capacity, finally summarizes the full content of the conclusion.
The conclusion reflects the small loan company is to produce social progress and changes in the economic system of our country, an innovative organization. Compared to the traditional bank "being the loan" business model, small loan companies only "credit" business model, is a kind of "personal independence of conduct" progress. Some experts have pointed out that the reason why the poor poorer and the rich richer, it is because the poor themselves all the money the bank devalued, and the rich is to borrow from the bank to earn more money. Although this sentence is only verbal comments, not formal speech and thought theory, but in to some extent, or speak out now the plight of the poor, the poor is difficult to large sums of money in the bank loan. But small loan company is not the same, it appears to some extent to solve this problem, it is to narrow the gap of poverty There are still a great contribution. First of all, small loan companies can more reasonable use of civil idle capital; secondly loans to lower the threshold of ordinary people can effectively stimulate entrepreneurship, improve the employment rate; finally, small loan companies can provide funds to small businesses with increased probability of micro and small enterprises to survive, to promote the development of China the economy.

【學位授予單位】：武漢工程大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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