【摘要】：隨著我國(guó)經(jīng)濟(jì)的不斷發(fā)展,中小企業(yè)逐漸在經(jīng)濟(jì)發(fā)展中占據(jù)了不可忽視的地位。中小企業(yè)由于經(jīng)營(yíng)規(guī)模較小,抵抗風(fēng)險(xiǎn)能力較弱導(dǎo)致難以向銀行進(jìn)行募集資金以解決其在生產(chǎn)經(jīng)營(yíng)中所遇到的資金難題。然而近些年來(lái)出現(xiàn)的小額貸款公司恰恰解決了中小企業(yè)融資難的問(wèn)題,隨著小額貸款行業(yè)的快速發(fā)展,中小企業(yè)也能夠有一定抗風(fēng)險(xiǎn)能力后,保存于民間的資本被逐漸釋放出來(lái)。在小額貸款行業(yè)的爆發(fā)式成長(zhǎng)之后,其增長(zhǎng)速度逐步放緩,并開(kāi)始出現(xiàn)了下滑趨勢(shì),這說(shuō)明了目前小額貸款行業(yè)的發(fā)展存在著嚴(yán)峻的問(wèn)題。小額貸款公司在其經(jīng)營(yíng)過(guò)程中由于風(fēng)險(xiǎn)控制不到位,放款后追蹤管理不到位等原因,經(jīng)常導(dǎo)致其無(wú)法收回貸款資金鏈斷裂使其無(wú)法持續(xù)經(jīng)營(yíng)的現(xiàn)象。所以小額貸款公司運(yùn)用一套合理的風(fēng)險(xiǎn)管理體系進(jìn)而規(guī)避風(fēng)險(xiǎn)是十分必要的,而全面風(fēng)險(xiǎn)管理體系可以讓小額貸款公司圍繞其總體目標(biāo),通過(guò)在公司管理中的每個(gè)環(huán)節(jié)和經(jīng)營(yíng)過(guò)程中所執(zhí)行風(fēng)險(xiǎn)管理的基本流程,養(yǎng)成良好的風(fēng)險(xiǎn)管理文化,建立完整的全面風(fēng)險(xiǎn)管理體系,使小額貸款行業(yè)得到健康成長(zhǎng)。本文以XY小額貸款公司為案例,運(yùn)用全面風(fēng)險(xiǎn)管理體系來(lái)為其解決其在風(fēng)險(xiǎn)管理過(guò)程中存在的問(wèn)題。希望能通過(guò)論述小額貸款公司所處的宏觀環(huán)境并結(jié)合XY小額貸款公司實(shí)際情況,明確XY小額貸款公司所面臨的各種風(fēng)險(xiǎn)及其成因,通過(guò)運(yùn)用全面風(fēng)險(xiǎn)管理體系對(duì)XY小額貸款公司風(fēng)險(xiǎn)管理問(wèn)題進(jìn)行優(yōu)化來(lái)降低其風(fēng)險(xiǎn),進(jìn)而實(shí)現(xiàn)小額貸款行業(yè)的健康發(fā)展有利于解決中小企業(yè)融資難的問(wèn)題,從而促進(jìn)經(jīng)濟(jì)的健康發(fā)展。運(yùn)用文獻(xiàn)研究法、案例分析法、規(guī)范分析法對(duì)"小額貸款公司全面風(fēng)險(xiǎn)管理"的基礎(chǔ)理論進(jìn)行概述以及對(duì)全面風(fēng)險(xiǎn)管理相關(guān)理論進(jìn)行分析,其具體包括全面風(fēng)險(xiǎn)管理具體流程和全面風(fēng)險(xiǎn)管理體系兩部分。對(duì)XY小額貸款公司概況及其風(fēng)險(xiǎn)管理的實(shí)際狀況進(jìn)行描述與分析,發(fā)現(xiàn)XY小額貸款公司風(fēng)險(xiǎn)管理體系中存在的不足并為其構(gòu)建全面風(fēng)險(xiǎn)管理體系,并希望通過(guò)外部發(fā)展環(huán)境支持與樹(shù)立公司內(nèi)部全面風(fēng)險(xiǎn)管理文化來(lái)保證全面風(fēng)險(xiǎn)管理體系的實(shí)施。本文研究的意義在于使小額貸款公司更好地進(jìn)行風(fēng)險(xiǎn)控制;對(duì)小額貸款公司建立起自覺(jué)的風(fēng)險(xiǎn)管理意識(shí)十分有益;有利于探索民間金融發(fā)展的有效路徑;能為政府對(duì)小額貸款公司開(kāi)展有效監(jiān)管提供借鑒。
[Abstract]:With the development of economy in our country, small and medium-sized enterprises (SMEs) occupy an important position in economic development. Because of the small scale of operation and the weak ability of resisting the risk, it is difficult for small and medium-sized enterprises to raise funds from banks in order to solve the fund problems they encounter in production and operation. However, in recent years, microfinance companies have precisely solved the problem of financing difficulties for small and medium-sized enterprises. With the rapid development of the microfinance industry, small and medium-sized enterprises can also have a certain ability to resist risks. Private capital was gradually released. After the explosive growth of the microfinance industry, its growth rate gradually slowed down, and began to show a downward trend, which shows that there are serious problems in the development of the microfinance industry. Owing to the lack of risk control and the lack of tracking management after lending, microfinance companies often lead to the phenomenon that they can not recover the loan fund chain break and make it unable to operate continuously. Therefore, it is necessary for microfinance companies to use a reasonable risk management system to avoid risks, and a comprehensive risk management system can enable microfinance companies to focus on their overall objectives. Through carrying out the basic process of risk management in every link and management process of the company, we can cultivate a good risk management culture, establish a complete comprehensive risk management system, and make the microfinance industry grow healthily. This paper takes XY Microloan Company as an example and uses the comprehensive risk management system to solve the problems in the process of risk management. It is hoped that by discussing the macro environment of microfinance companies and combining with the actual situation of XY microfinance companies, the risks faced by XY microfinance companies and their causes will be clarified. Through the use of comprehensive risk management system to optimize the risk management of XY microfinance companies to reduce the risk, and then realize the healthy development of the microfinance industry is conducive to solve the financing difficulties of small and medium-sized enterprises. To promote the healthy development of the economy. Using literature research, case analysis, normative analysis to summarize the basic theory of "comprehensive risk management of microfinance companies" and to analyze the related theories of overall risk management. It includes two parts: the specific process of comprehensive risk management and the comprehensive risk management system. This paper describes and analyzes the general situation of XY microfinance companies and the actual situation of risk management, finds out the shortcomings in the risk management system of XY microfinance companies and constructs a comprehensive risk management system for them. It is hoped that the implementation of the overall risk management system can be ensured through the support of the external development environment and the establishment of a comprehensive risk management culture within the company. The significance of this study is to make microfinance companies better carry out risk control, to establish a conscious awareness of risk management for microfinance companies, to explore the effective path of the development of private finance; For the government to carry out effective supervision of microfinance companies to provide reference.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.39;F272.3

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