A公司对养殖户的小额贷款服务风险管理研究

发布时间：2018-05-27 15:44

本文选题：小额贷款 + 养殖户　；参考：《大连理工大学》2015年硕士论文

【摘要】：随着中国经济的发展,资金的流动也越来越频繁。但是中小企业及农村经济却面临着一个两难的境地,一方面是中小企业及农村经济的发展壮大亟需大量资金的支持,另一方面是中小型企业难以从商业银行融资以获得更加长远的发展。养殖企业作为三农经济的重要一环,也面临着越来越多的压力。正是基于这样大环境,国家采取小额贷款有限公司这样一种形式推广小额贷款,促进中小企业的发展。A公司正是在这样的大环境下成立,并立志于服务三农及中小企业。本文主要是研究A公司在对养殖户的小额贷款申请时,如何防范贷款风险以及贷款资金的后续监控问题。本文在第一部分首先分析了小额贷款的背景、意义、研究思路及方法、研究的主要问题；第二、三部分是本文的案例分析主要部分,以江西省A公司为例,详细介绍了A公司的基本情况以及贷款前审查、贷款发放流程、后续资金跟进以及风险防控,结合小额贷款风险理论,对小额贷款风险管理的必要性进行分析；第四部分是以A公司对养殖户的小额贷款申请为切入点,结合风险管理相关理论,就A公司风险管理控制提出相应的措施,以减少放贷风险,促进小额贷款公司的长远发展。
[Abstract]:With the development of Chinese economy, capital flows more and more frequently. But the small and medium-sized enterprises and the rural economy are facing a dilemma. On the one hand, the development and expansion of the small and medium-sized enterprises and the rural economy need the support of a large number of funds. On the other hand, it is difficult for small and medium enterprises to obtain long-term development by financing from commercial banks. As an important part of the economy of agriculture, farmers and farmers, aquaculture enterprises are also facing more and more pressure. It is in such a big environment that the state adopts a form of micro-credit limited company to promote the development of small and medium-sized enterprises. A company is established in such a big environment, and it is determined to serve agriculture, rural areas and small and medium-sized enterprises. This paper mainly studies how to guard against loan risk and how to monitor loan funds when A Company applies for small loans to farmers. In the first part of this paper, we first analyze the background, significance, research ideas and methods, the main problems of the study; second, three parts are the main part of the case analysis of this paper, taking Jiangxi A Company as an example. Introduced the basic situation of company A and the loan before the review, loan issuance process, follow-up fund follow-up and risk prevention and control, combined with the micro-loan risk theory, the necessity of microfinance risk management is analyzed. The fourth part is based on the small loan application of A company to breeders, combined with the theory of risk management, put forward the corresponding measures to reduce the risk of lending and promote the long-term development of small loan companies.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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