HD小额贷款公司风险管理研究
发布时间：2019-01-20 16:43
【摘要】：从“扶贫经济合作社”开始我国的小额信贷不断发展与进步。由于这种信贷模式能够解决我国一部分农村的融资问题,甚至在某些地区已经替代了民间借贷等形式。它可以令更多的公民享受到经济发展带来的好处,还能够消除社会以及政治中的各种不稳定因素。“小额贷款公司”的资本主体是民营资本家,所以,在小额贷款公司发展的进程当中不仅要承担内部风险还要承担不可控制的外部风险。如何能让小额贷款公司在内外部风险共存的环境下实现发展,更好地为我国经济服务以及它要走一条什么样的道路都是经济界非常重视的问题。 本文在介绍HD小额贷款公司生产发展以及其生存环境的基础上,进一步对HD小额贷款公司的业务形式与内外部的运营风险进行了深入仔细的研究,最终归纳出HD小额贷款公司属于发展的比较好的贷款公司,因为它在具体运营方面有自己的特点。它具有便捷灵活的优点,所以能够在竞争激烈的市场环境中生存下去。但是HD小额贷款公司以及其同行也都面临着内外部和政策法律法规的制约,这些问题是他们靠自己所无法解决的。本文从这些实际问题出发,为政府制定方针政策与法律法规提出了一些建议,制定出能正确指引民间资金的政策进而促使我国小额贷款行业的可持续发展。
[Abstract]:The development and progress of micro-credit in our country began from the anti-poor economic cooperative. Because this kind of credit mode can solve the financing problem of some rural areas in our country, even in some areas it has replaced the private loan and so on. It will allow more citizens to enjoy the benefits of economic development and eliminate social and political instability. The main body of capital of "microfinance company" is private capitalists. Therefore, in the process of development of microfinance companies, we should not only bear the internal risks but also bear the external risks that can not be controlled. How to enable microfinance companies to achieve development in the environment of coexistence of internal and external risks and to better serve our economy and what kind of road it should take is a very important issue in economic circles. On the basis of introducing the production and development of HD micro-loan company and its living environment, this paper makes a deep and careful study on the business form and internal and external operation risk of HD micro-loan company. Finally, the author concludes that HD microfinance company is a better developed loan company, because it has its own characteristics in specific operation. It has the advantage of convenience and flexibility, so it can survive in the competitive market environment. But HD microfinance companies and their peers are also facing internal and external constraints and policy laws and regulations, which they cannot solve on their own. Based on these practical problems, this paper puts forward some suggestions for the government to formulate the principles, policies and laws and regulations, and makes the policies that can correctly guide the private funds, and then promote the sustainable development of the microfinance industry in our country.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39;F272.3
本文编号：2412202
[Abstract]:The development and progress of micro-credit in our country began from the anti-poor economic cooperative. Because this kind of credit mode can solve the financing problem of some rural areas in our country, even in some areas it has replaced the private loan and so on. It will allow more citizens to enjoy the benefits of economic development and eliminate social and political instability. The main body of capital of "microfinance company" is private capitalists. Therefore, in the process of development of microfinance companies, we should not only bear the internal risks but also bear the external risks that can not be controlled. How to enable microfinance companies to achieve development in the environment of coexistence of internal and external risks and to better serve our economy and what kind of road it should take is a very important issue in economic circles. On the basis of introducing the production and development of HD micro-loan company and its living environment, this paper makes a deep and careful study on the business form and internal and external operation risk of HD micro-loan company. Finally, the author concludes that HD microfinance company is a better developed loan company, because it has its own characteristics in specific operation. It has the advantage of convenience and flexibility, so it can survive in the competitive market environment. But HD microfinance companies and their peers are also facing internal and external constraints and policy laws and regulations, which they cannot solve on their own. Based on these practical problems, this paper puts forward some suggestions for the government to formulate the principles, policies and laws and regulations, and makes the policies that can correctly guide the private funds, and then promote the sustainable development of the microfinance industry in our country.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39;F272.3
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