小额贷款A公司的信用风险管理研究

发布时间：2018-03-31 04:09

本文选题：小额贷款公司　切入点：信用风险　出处：《华中科技大学》2013年硕士论文

【摘要】：从1993年起，我国将孟加拉小额信贷模式引入中国，2005年年底，央行批准设立试点的小额贷款公司，2008年5月《小额贷款公司试点的指导意见》鼓励和规范我国小额贷款公司的发展，各地小额贷款公司陆续成立开展小贷业务。A公司就是一家典型的小额贷款公司,尚属国内开展小额贷款业务较早的,。随着业务的扩张，A公司的信用风险管理问题日益突出，威胁着公司的可持续性发展。本文紧密结合小额贷款业务运作特征，引入层次分析法展开信用风险管理的研究。首先，对A公司的经营现状、组织架构、产品业务流程及目前信用风险管理存在的问题进行了简要介绍,再从小额贷款公司内部和外部的形成机理对信用风险的成因进行剖析。接着将小额贷款公司与商业银行和村镇银行进行了对比分析，将层次分析法引入建立小额贷款公司的信用风险评估方法。原本定性化评估信用风险的工作从而更加科学的转变为定量化评估。在以上理论研究的基础上，紧密结合小额贷款A公司的具体情况，设计A公司的信用风险管理的解决方案。首先把好信用风险管理的第一道关—贷前调查工作,接着进行信用风险评估，，设置风险预警防范的流程，做好贷后监控工作，最后提出加强信用风险管理的内部配套措施,构成适合A公司的有效的信用风险管理体系。
[Abstract]:Since 1993 , China has introduced the micro - credit model of Bangladesh to China . At the end of 2005 , the central bank approved the establishment of a pilot small loan company . In May 2008 , the central bank approved the establishment of a pilot small loan company . In May 2008 , it encouraged and regulated the development of the small loan company in China . With the expansion of business , A company ' s credit risk management problem is becoming more and more serious , threatening the sustainable development of the company .

Based on the characteristics of small loan business operation , the paper introduces the research of credit risk management by means of analytic hierarchy process . First , the paper briefly introduces the problems existing in the management of A company , organization structure , product business process and current credit risk management .

On the basis of the above theory research , we design A company ' s credit risk management solution based on the specific conditions of small loan A company . First , credit risk management first pass - pre - credit investigation , then credit risk assessment , risk pre - warning prevention process and post - credit monitoring work are put forward . Finally , the internal coordination measures to strengthen credit risk management are put forward to form an effective credit risk management system suitable for A company .

【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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