發(fā)布時(shí)間：2018-05-24 06:59

  本文選題：小額貸款 + 信貸　； 參考：《沈陽工業(yè)大學(xué)》2013年碩士論文

【摘要】：信貸業(yè)務(wù)是小額貸款公司的核心業(yè)務(wù)，信貸風(fēng)險(xiǎn)是小額貸款公司面臨的主要風(fēng)險(xiǎn)。小額貸款公司實(shí)現(xiàn)可持續(xù)發(fā)展的關(guān)鍵在于如何提高信貸風(fēng)險(xiǎn)管理，提高信貸風(fēng)險(xiǎn)管理能力和管理水平。小額貸款公司從其誕生就受到了社會(huì)高度的關(guān)注。扶持小額貸款公司，除了惠及廣大農(nóng)戶、中小企業(yè)和個(gè)體工商戶之外，還可以在一定程度上完善金融行業(yè)的結(jié)構(gòu)空白，替代不正規(guī)的民間借貸市場(chǎng)。促進(jìn)社會(huì)經(jīng)濟(jì)體健康發(fā)展。小額貸款公司只貸款不存款、貸款額度的微小、單一性和領(lǐng)域?qū)I(yè)人士的稀缺性等原因，使其在具體經(jīng)營(yíng)和運(yùn)作上面臨諸多信貸風(fēng)險(xiǎn)。 本文以小額信貸風(fēng)險(xiǎn)管理理論作為出發(fā)點(diǎn)，論述了小額貸款公司信貸風(fēng)險(xiǎn)管理流程和信貸風(fēng)險(xiǎn)的分類，針對(duì)中信小額貸款公司進(jìn)行綜合性的案例分析，結(jié)合中信小額貸款公司的經(jīng)營(yíng)實(shí)際，對(duì)中信小額貸款公司的出資情況、資金運(yùn)用情況、信貸風(fēng)險(xiǎn)管理流程進(jìn)行了系統(tǒng)的分析和梳理。由于中信小額貸款公司正處于發(fā)展初期，許多運(yùn)營(yíng)和管理方面的問題還尚未顯露。但是貸款客戶的特殊性，貸款結(jié)構(gòu)的不合理，三查制度的不規(guī)范、內(nèi)部控制制度的不完整，，已經(jīng)在一定程度上反映出它的信貸風(fēng)險(xiǎn)管理存在的問題，針對(duì)中信小額貸款公司信貸風(fēng)險(xiǎn)管理存在的問題，采用調(diào)查問卷法選擇信貸風(fēng)險(xiǎn)指標(biāo)，運(yùn)用層次分析法構(gòu)造層次結(jié)構(gòu)模型，建立判斷矩陣，進(jìn)行單層一次性檢驗(yàn)，最后確定權(quán)重，再次運(yùn)用問卷調(diào)查法算出風(fēng)險(xiǎn)評(píng)價(jià)值。對(duì)風(fēng)險(xiǎn)評(píng)價(jià)值較大的信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)指標(biāo)提出相應(yīng)的解決對(duì)策，嚴(yán)格按照規(guī)定執(zhí)行三查制度。完善企業(yè)內(nèi)部控制體系，建立一個(gè)完整的客戶評(píng)價(jià)體系，建立健全的授信管理體系。將定量和定性充分結(jié)合，為小額貸款公司信貸風(fēng)險(xiǎn)的控制提供科學(xué)的依據(jù)和正確的方向。
[Abstract]:Credit is the core business of microfinance companies, and credit risk is the main risk faced by microfinance companies. The key to realize the sustainable development of microfinance companies lies in how to improve the credit risk management, improve the ability and management level of credit risk management. From its birth, microfinance companies have been highly concerned by the society. In addition to benefiting farmers, small and medium-sized enterprises and individual industrial and commercial households, we can improve the structure of the financial industry to a certain extent and replace the informal lending market. Promote the healthy development of social economy. The small loan company only does not have the deposit, the loan quota is small, the singularity and the domain professional person is scarce, causes it to face many credit risks in the concrete management and the operation. Based on the micro-credit risk management theory, this paper discusses the credit risk management process and the classification of credit risk of micro-credit companies, and makes a comprehensive case study on CITIC micro-credit companies. Combined with the operating practice of CITIC Microloan Company, the paper systematically analyzes and combs the investment situation, capital utilization and credit risk management process of CITIC Microloan Company. As Citic Microfinance is in its infancy, many operational and management problems have yet to be revealed. However, the particularity of the loan customers, the unreasonable structure of the loan, the non-standardization of the three-check system, and the incomplete internal control system have to some extent reflected the problems existing in its credit risk management. Aiming at the problems existing in credit risk management of CITIC Microloan Company, the credit risk index is selected by questionnaire, the AHP is used to construct the hierarchy structure model, the judgment matrix is established, and the single-layer one-off test is carried out. Finally determine the weight, and then use the questionnaire method to calculate the value of risk evaluation. This paper puts forward the corresponding countermeasures to the credit risk and operational risk index with higher risk evaluation value, and carries out the three-check system strictly according to the regulations. Perfect enterprise internal control system, establish a complete customer evaluation system, establish a sound credit management system. The quantitative and qualitative analysis are combined to provide scientific basis and correct direction for the credit risk control of microfinance companies.
【學(xué)位授予單位】：沈陽工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.39;F832.4

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本文編號(hào)：1928131