HH小额贷款公司风险管理研究

发布时间：2018-02-24 10:37

本文关键词： 贷款风险管理小额贷款　出处：《陕西师范大学》2016年硕士论文　论文类型：学位论文

【摘要】：小额贷款公司的出现,给一个区域内的人们生活以及经济发展带来了很大的推动作用,是发展区域经济的重要助推器。小额贷款公司在推动区域经济发展的同时,自身也面临着日益突出的风险。除此之外,伴随着不断提升的城乡一体化的进程,以及全国范围内基于服务三农背景下对资金的巨大的需求量,虽然小额贷款公司在相关政策的支持下有了一定程度的发展,不过还存在着包括法制环境不健全、融资能力欠缺以及运营安全性低等众多的问题。尤其是最近一段时间以来,伴随着民间融资方式的改变以及农村金融市场的进步,小额贷款公司中涌现的风险更加的明显。针对在经营管理中暴露出的问题,当前的紧急任务是,怎样根据小额贷款公司的特征分析公司面临的经营风险,同时对小额贷款公司中存在的不足加以改进,进而实现小额贷款公司的良性运转。基于这样的形式之下,本文以HH小额贷款公司为例,探讨了公司当前存在的风险问题,结合对存在问题原因的分析,文章最后提出了具体的优化方案和保障措施。本文一共分为七大部分。第一部分是绪论,论述了研究的背景、目的、现状以及思路方法等。第二部分是相关理论概述。针对本课题探讨相关的小额贷款相关理论以及信贷风险管理基本理论等进行了论述,为课题的探讨奠定了坚实的理论基础。第三部分分析了HH小额贷款公司风险管控状况,分析了HH公司业务流程与现状,探讨了HH公司风险管理的状况。第四部分论述了HH小额贷款公司风险管理存在的问题,首先提出了风险识别指标体系的建立,其次论述了风险识别指标体系在HH小额贷款公司中应用,基于先识别指标体系应用的基础上,通过评估得出了该公司存在的五大问题。第五部分分析了HH小额贷款公司风险管理问题的原因,包括社会政策环境的限制以及社会信用体系不健全、内部风险管理意识与基础知识薄弱以及专业风险管理人才缺乏等。第六部分提出了HH小额贷款公司风险管理的控制与防范,主要从加强公司内部控制、通过开辟融资渠道,加强合作,实现资金来源多元化以及优化公司内外部经营环境,加强贷款管理等方面进行了论述。第七部分为总结与展望,对全文进行总结的基础上,讨论了下一步的方向。
[Abstract]:The emergence of microfinance companies has brought a great impetus to the life and economic development of people in a region, and is an important booster for the development of regional economy. While promoting the development of regional economy, microfinance companies are promoting the development of regional economy. In addition, with the increasing process of urban-rural integration and the huge demand for funds in the context of serving agriculture, rural areas and farmers in the country, Although microfinance companies have developed to a certain extent with the support of relevant policies, there are still many problems, such as the imperfect legal environment, the lack of financing capacity and the low operational safety, etc., especially in the recent past. With the changes in private financing and the progress of the rural financial market, the risks arising from the emergence of micro-credit companies are becoming more obvious. In view of the problems exposed in the management and operation, the immediate urgent task is:. How to analyze the operating risks faced by the micro-loan companies according to their characteristics, and at the same time improve the shortcomings of the micro-loan companies, and then realize the benign operation of the micro-loan companies. Based on this form, Taking HH Microloan Company as an example, this paper discusses the existing risk problems in the company, and analyzes the causes of the problems. At the end of the article, the author puts forward the concrete optimization scheme and safeguard measures. This paper is divided into seven parts. The first part is the introduction, which discusses the background and purpose of the research. The second part is an overview of the relevant theories. This paper discusses the related micro-loan theory and the basic theory of credit risk management. The third part analyzes the risk management and control situation of HH micro-loan company, and analyzes the business process and current situation of HH company. This paper discusses the situation of risk management in HH Company. Part 4th discusses the problems existing in risk management of HH small loan company. Firstly, the establishment of risk identification index system is put forward. Secondly, the paper discusses the application of risk identification index system in HH micro-loan company, based on the application of first identifying index system. In 5th, the author analyzes the causes of the risk management problems in HH micro-loan company, including the restriction of social policy environment and the imperfect social credit system. Internal risk management awareness and basic knowledge are weak and lack of professional risk management personnel. Part 6th puts forward the control and prevention of risk management in HH micro-loan company, mainly from strengthening the internal control of the company and opening up financing channels. Strengthen cooperation, realize the diversification of capital sources, optimize the internal and external operating environment of the company, strengthen the management of loans and so on. Part 7th is a summary and prospect, on the basis of summing up the full text, discussed the next direction of the next step.
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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