小额贷款业务风险管理研究

发布时间：2018-07-11 17:01

本文选题：小额贷款业务 + 风险管理　；参考：《广西大学》2012年硕士论文

【摘要】：目前我国小额贷款业务发展较快,在扶持弱势群体、实现和谐社会建设方面发挥了不可替代的重要作用。但是,小额贷款业务风险管理现状不容乐观,风险管理问题已成为小额贷款业务持续发展道路上的一大阻碍。本文就以广西某市农村信用社小额贷款业务风险管理为个案,试对目前我国小额贷款业务风险管理的现状及其存在的问题进行分析和探讨,并提出解决其风险管理困境,构建完整的风险管理框架的若干措施建议,以期为解决小额贷款业务风险管理困境提供参考和借鉴。具体来说,本文共包括五大部分内容：第一部分：绪论。该部分主要是阐述文章选题的背景以及研究的目标和研究的意义,并对小额贷款业务风险管理的相关概念进行界定。第二部分：国内外研究现状。对国内外小额贷款业务风险管理的相关文献进行梳理和评述。第三部分：我国小额贷款业务风险管理困境及原因分析。这是文章的核心部分。对小额贷款业务风险管理的内部困境和外部困境及原因进行了全面分析。第四部分：小额贷款业务全面风险管理体系的构建。要从政府、小额贷款机构、贷款户三方面出发,采取有效措施：第一,政府主导,构建良好的外部宏观环境；第二加强小额贷款机构内部微观环境建设；第三,规范小额贷款户自身金融行为。第五部分：广西某市农村信用社小额贷款业务风险管理的个案研究。本章根据前文所述内容并结合某广西某市农村信用社小额贷款业务的实际情况,对其风险管理现状及问题进行分析,并提出相应的风险管理优化方案。总的来说,本文的创新之处主要有以下两点：一是系统全面地分析了我国小额贷款业务风险管理困境及原因,并构建了小额贷款业务全面风险管理的整体框架,对实践中解决小额贷款业务风险管理存在的问题,具有一定的借鉴意义；二是本文运用规范分析和案例分析相结合的方法进行研究,具有较强的说服力和系统性,能丰富目前我国小额贷款业务风险管理的相关理论研究。
[Abstract]:At present, the small loan business in our country develops rapidly, which plays an irreplaceable role in supporting the vulnerable groups and realizing the construction of a harmonious society. However, the current situation of risk management in microfinance business is not optimistic, risk management has become a major obstacle to the sustainable development of microfinance business. Taking the risk management of micro-loan business in a rural credit cooperative in Guangxi as an example, this paper tries to analyze and discuss the present situation and existing problems of risk management of micro-credit business in China, and puts forward a solution to its risk management dilemma. Some measures to construct a complete risk management framework are proposed in order to provide a reference for solving the risk management dilemma of microfinance business. Specifically, this paper includes five parts: the first part: introduction. This part mainly describes the background of this paper, the research objectives and the significance of the research, and defines the related concepts of risk management in microfinance business. The second part: domestic and foreign research status. This paper reviews the related literatures on risk management of microfinance business at home and abroad. The third part: the risk management dilemma and reason analysis of the small loan business in our country. This is the core of the article. This paper makes a comprehensive analysis of the internal and external dilemmas and causes of risk management in microfinance business. The fourth part: the construction of the comprehensive risk management system of microfinance business. Effective measures should be taken from the government, microfinance institutions and loan households: first, the government should take the lead to build a good external macro environment; second, strengthen the micro-environment construction within the micro-credit institutions; and third, Regulate the financial behavior of small loan households. Part V: a case study on risk management of small loan business of rural credit cooperatives in Guangxi. This chapter analyzes the present situation and problems of risk management according to the above contents and the actual situation of the small loan business of a rural credit cooperative in a certain city of Guangxi, and puts forward the corresponding optimization scheme of risk management. In general, the innovations of this paper are as follows: first, the paper systematically and comprehensively analyzes the difficulties and causes of risk management of microfinance business in China, and constructs the overall framework of the overall risk management of microfinance business. It has certain reference significance to solve the problems existing in the risk management of microfinance business in practice. Secondly, this paper uses the method of combining normative analysis and case analysis to study, which has strong persuasive and systematic. Can enrich the current small loan business risk management related theoretical research.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【引证文献】