我国小额贷款公司风险控制问题研究

发布时间：2018-05-05 08:56

本文选题：小额贷款公司 + 风险控制　；参考：《合肥工业大学》2012年硕士论文

【摘要】：为改善农村地区金融服务和帮助中小企业解决融资难问题,我国自2005年开展小额贷款公司试点工作以来,已受到实业界和理论界的极大关注。小额贷款公司在其建立和发展的过程中,遇到了来自于自身和外界环境的许多问题。这些问题具有国际性、普遍性和挑战性,其中风险控制问题不仅直接影响小额贷款公司自身持续营,而且也间接影响整个金融体系的安全。因此,研究我国小额贷款公司风险控制问题具有重要的理论和现实意义。本文以小额贷款公司的风险控制为研究对象,首先从小额贷款公司的定义出发,明确了小额信贷的概念和基本功能,分析了国际上成功的小额信贷机构的经验及出现小额贷款危机信贷机构的教训,通过关注小额贷款公司风险层面的问题,为我国小额贷款公司的风险控制和业务发展提供了有益启示。然后在分析我国小额贷款公司现状及特点的基础上,着重阐述我国小额贷款公司目前存在的主要风险,运用层次分析法和模糊综合评价法,构建我国小额贷款公司风险评价指标体系,对我国小额贷款公司风险控制进行综合评价,最后针对我国小额贷款公司风险控制问题提出相应的政策建议。
[Abstract]:In order to improve the financial services in rural areas and help small and medium-sized enterprises solve the problem of financing difficulties, our country has paid great attention to the pilot work of micro-loan companies since 2005. In the process of its establishment and development, microfinance companies have encountered many problems from their own and external environment. These problems are international, universal and challenging, in which risk control issues directly affect not only the sustainability of microfinance companies themselves, but also the security of the financial system as a whole. Therefore, it is of great theoretical and practical significance to study the risk control of microfinance companies in China. In this paper, the risk control of microfinance companies as the research object, starting from the definition of microfinance companies, the concept and basic functions of microfinance, This paper analyzes the experiences of successful microfinance institutions in the world and the lessons learned from the emergence of microfinance crisis credit institutions. By paying close attention to the risk level of microfinance companies, It provides useful inspiration for risk control and business development of microfinance companies in China. Then, on the basis of analyzing the present situation and characteristics of the microfinance companies in our country, the paper emphasizes on the main risks existing in the microfinance companies in our country, and applies the analytic hierarchy process (AHP) and the fuzzy comprehensive evaluation method. This paper constructs the risk evaluation index system of micro-loan companies in China, evaluates the risk control of micro-credit companies in our country, and finally puts forward corresponding policy suggestions for the risk control problems of micro-credit companies in China.
【学位授予单位】：合肥工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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