大冶市A小额贷款公司的风控模式研究
发布时间：2018-10-09 19:54
【摘要】：近年来，小额贷款公司在我国大量涌现。它的出现，一方面为融资困难的中小企业和需要资金救援的人群拓宽了融资渠道，同时为引导和规范民间资本借贷提供了平台，成为我国现行金融体系的一个有益补充。小额贷款公司要取得正常的规范的运作，以及能够得到持续性的稳步的发展，关键在于做好风险控制工作。因此，对小额贷款公司风险控制模式的探讨与研究具有重要的现实意义。 本论文对我国的小额贷款公司风险控制模式研究主要从4个部分来分析。首先说明了本论文的研究背景和研究意义，同时介绍国内外研究小额贷款公司风险控制的理论文献，以及本论文的研究方法、创新和不足。然后介绍了小额贷款的起源以及在我国的发展状况，并分析小额贷款公司面临的主要风险，，同时介绍了国内外典型小额贷款机构的风险控制模式。随后，以具体的大冶市A小额贷款公司为例进行分析研究。最后，对本论文进行总结，并对小额贷款公司的发展提出建议。
[Abstract]:In recent years, a large number of microfinance companies have emerged in China. Its emergence, on the one hand, broadens the financing channels for the small and medium-sized enterprises with financing difficulties and the people in need of capital rescue, and at the same time provides a platform for guiding and standardizing private capital lending, and becomes a beneficial supplement to the current financial system of our country. In order to get the normal operation and steady development, the key is to control the risk. Therefore, it is of great practical significance to explore and study the risk control model of micro-loan companies. This paper analyzes the risk control model of microfinance companies in China from four parts. First of all, it explains the research background and significance of this paper, and introduces the domestic and foreign theoretical literature on risk control of micro-credit companies, as well as the research methods, innovations and deficiencies of this paper. Then it introduces the origin of microfinance and its development in China, analyzes the main risks faced by microfinance companies, and introduces the risk control models of typical microfinance institutions at home and abroad. Subsequently, A small loan company in Daye City was taken as an example to analyze and study. Finally, this paper is summarized, and the development of micro-credit companies is suggested.
【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】：F832.4
本文编号：2260580
[Abstract]:In recent years, a large number of microfinance companies have emerged in China. Its emergence, on the one hand, broadens the financing channels for the small and medium-sized enterprises with financing difficulties and the people in need of capital rescue, and at the same time provides a platform for guiding and standardizing private capital lending, and becomes a beneficial supplement to the current financial system of our country. In order to get the normal operation and steady development, the key is to control the risk. Therefore, it is of great practical significance to explore and study the risk control model of micro-loan companies. This paper analyzes the risk control model of microfinance companies in China from four parts. First of all, it explains the research background and significance of this paper, and introduces the domestic and foreign theoretical literature on risk control of micro-credit companies, as well as the research methods, innovations and deficiencies of this paper. Then it introduces the origin of microfinance and its development in China, analyzes the main risks faced by microfinance companies, and introduces the risk control models of typical microfinance institutions at home and abroad. Subsequently, A small loan company in Daye City was taken as an example to analyze and study. Finally, this paper is summarized, and the development of micro-credit companies is suggested.
【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】：F832.4
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