LJ农村商业银行小额信贷风险管理体系研究

发布时间：2018-06-14 20:09

本文选题：商业银行 + 小额信贷　；参考：《西北大学》2013年硕士论文

【摘要】：近几年,小额信贷在LJ农村商业银行得到快速发展,小额信贷总额已经达到该行所有贷款总额的80%以上。随着该业务的不断增长,由此带来的小额信贷风险及由此造成的损失也与日俱增。统计表明,小额信贷不良贷款已经占据了该行所有不良贷款90%以上。因此,如何有效防范小额信贷风险成为了该行一项必须着力解决的课题。因此,本文提出这一课题进行研究,试图通过构建专门的小额信贷风险管理体系来控制与规避风险。论文首先对小额信贷概念及其特点进行了界定,对银行风险及小额信贷风险管理方法国内外研究现状进行了分析与综述,并对本文研究小额信贷风险的方法进行了选择。在此基础上,通过对LJ农村商业银行小额信贷管理现状进行研究、剖析,界定、识别了该行各种小额信贷内外部风险点,并对风险点成因进行了分析。之后,在选择确定风险评价指标体系的基础上,构建了行之有效的风险评价模型对各种风险进行了评价研究,为小额信贷风险管理决策奠定了基础。最后,本文借鉴国内外小额信贷风险管理方法与经验,根据LJ农村商业银行小额信贷风险评价结论及该行特点,提出了成立小额信贷风险管理部来专门负责小额信贷风险管理工作建议,研究设计了LJ农村商业银行小额信贷风险管理体系,并对这一体系进行了实证研究,提出了实施该方案的保障措施。论文的可能创新点有三个。一是构建了小额信贷风险评价模型与评价方法；二是提出了设置专门的小额信贷风险管控部,改善了小额信贷业务流程；三是提出了实现小额信贷业务拓展与风险规避的对策与建议等。
[Abstract]:In recent years, microfinance has developed rapidly in LJ rural commercial banks, and the total amount of microcredit has reached more than 80 percent of the total loan amount of the bank. As the business continues to grow, the resulting microfinance risk and the resulting losses are increasing. Statistics show that microfinance non-performing loans have occupied more than 90% of all bad loans. Therefore, how to effectively prevent microfinance risk has become a subject that must be solved. Therefore, this paper puts forward this subject and tries to control and avoid risks by constructing a special microfinance risk management system. Firstly, this paper defines the concept and characteristics of microfinance, analyzes and summarizes the present research situation of bank risk and microfinance risk management methods at home and abroad, and selects the methods of this paper to study microfinance risk. On this basis, through the study of the current situation of microfinance management in LJ rural commercial banks, this paper analyzes, defines and identifies the internal and external risk points of the bank, and analyzes the causes of the risk points. Then, on the basis of selecting and determining the index system of risk evaluation, an effective risk evaluation model is constructed to evaluate and study the various risks, which lays a foundation for the decision-making of micro-credit risk management. Finally, this article draws lessons from the domestic and foreign microfinance risk management method and experience, according to the LJ rural commercial bank microfinance risk evaluation conclusion and the bank characteristic, This paper puts forward the suggestion of setting up the micro-credit risk management department to be in charge of the micro-credit risk management, studies and designs the micro-credit risk management system of the LJ rural commercial bank, and carries on the empirical research to this system. The safeguard measures for the implementation of the scheme are put forward. There are three possible innovations in the paper. The first is to set up the model and method of microfinance risk assessment, the other is to set up a special microfinance risk control department to improve the microfinance business process. Third, it puts forward the countermeasures and suggestions to realize the development of microfinance business and risk aversion.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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