本文選題：小額貸款公司 + 風(fēng)險(xiǎn)預(yù)警��； 參考：《安徽財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：小額貸款公司作為微型金融體系的一個(gè)重要組成部分,在我國(guó)的經(jīng)濟(jì)運(yùn)行中發(fā)揮著不可忽視的作用。它既能豐富“三農(nóng)”金融產(chǎn)品和服務(wù),促進(jìn)新農(nóng)村建設(shè),又為我國(guó)中小微企業(yè)的發(fā)展提供了有力的資金支持,彌補(bǔ)了我國(guó)商業(yè)銀行金融服務(wù)的空白。但是,由于目前我國(guó)小額貸款公司還處于探索階段,法律法規(guī)、市場(chǎng)機(jī)制、監(jiān)管主體等方面還不健全,小額貸款公司在運(yùn)營(yíng)過程中存在著諸多的風(fēng)險(xiǎn),如果不及時(shí)加以控制,不僅會(huì)成為困擾小額貸款公司進(jìn)一步發(fā)展的瓶頸,甚至將會(huì)對(duì)我國(guó)經(jīng)濟(jì)健康運(yùn)行產(chǎn)生不利的影響。因此建立一套科學(xué)系統(tǒng)的小額貸款公司風(fēng)險(xiǎn)預(yù)警體系是非常有必要的。 小額貸款公司風(fēng)險(xiǎn)預(yù)警體系研究,是通過科學(xué)的方法選擇合理的預(yù)警指標(biāo),然后進(jìn)行風(fēng)險(xiǎn)預(yù)警模型的實(shí)證分析,最終建立起符合我國(guó)小額貸款公司發(fā)展需要和其現(xiàn)實(shí)情況的風(fēng)險(xiǎn)預(yù)警體系。本文立足于我國(guó)小額貸款公司現(xiàn)狀,在對(duì)其風(fēng)險(xiǎn)狀況的分析的基礎(chǔ)上運(yùn)用層次分析、功效系數(shù)等方法,建立了我國(guó)小額貸款公司風(fēng)險(xiǎn)預(yù)警模型,再以某小額貸款公司作為實(shí)證案例,驗(yàn)證預(yù)警模型的有效性,結(jié)果表明,模型預(yù)測(cè)結(jié)果與樣本小額貸款公司的實(shí)際情況基本相符,所以可以認(rèn)為本文得到的小額貸款公司風(fēng)險(xiǎn)預(yù)警模型具有一定的實(shí)用價(jià)值。
[Abstract]:As an important part of the micro-finance system, microfinance companies play an important role in the economic operation of our country. It can not only enrich the financial products and services of "agriculture, countryside and farmers", promote the construction of new countryside, but also provide powerful capital support for the development of small and medium-sized enterprises in China, and make up the blank of financial services of commercial banks in our country. However, due to the fact that the microfinance companies in our country are still in the exploratory stage, the laws and regulations, the market mechanism, the main body of supervision and so on are not perfect, there are many risks in the course of operation of the microfinance companies, if they are not controlled in time, It will not only become the bottleneck of the further development of microfinance companies, but also will have a negative impact on the healthy operation of our economy. Therefore, it is necessary to establish a set of scientific system of micro-credit company risk warning system. The research on risk early warning system of microfinance company is to select reasonable early warning index through scientific method, and then carry on the empirical analysis of risk early warning model. Finally, a risk early warning system is established to meet the needs of the development of microfinance companies in China and their actual situation. Based on the present situation of micro-credit companies in China, this paper establishes a risk warning model of micro-credit companies in China by using the methods of hierarchical analysis and efficiency coefficient, based on the analysis of their risk status. The validity of the early warning model is verified by an empirical case of a microfinance company. The results show that the prediction result of the model is basically consistent with the actual situation of the sample microfinance company. Therefore, it can be considered that the risk early warning model of micro-loan company has certain practical value.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4

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