类底市汇丰小额贷款公司风险管理研究
发布时间：2019-02-12 07:01
【摘要】：小额贷款公司的设立不仅能够对广大小企业、个体户等提供贷款支持,并且对完善我国金融体系结构,促进我国市场经济健康发展起到不可替代作用。我国的小额贷款行业起步较晚,其发展管理存在诸多困难。如何在目前我国的市场环境下,提升小额贷款公司的风险管理实力,保障其持续健康经营,是关系到小额贷款公司发展前景的重要课题。本文正是在这一背景下,对娄底市汇丰小额贷款公司的风险管理问题进行了研究,分析出其发展过程中所存在的风险,并对其风险原因进行分析,结合理论与国内外实践经验,为娄底市汇丰小额贷款公司的风险管理提供相应的建议,也为其他类似的小额贷款公司提供一定的参考。 本文首先对国内外相关研究现状进行分析的基础上,对相关的理念进行了研究,包括小额贷款的基本概念、特点；信贷风险管理理论,包括信贷风险的类型,真实票据理论、资本转换理论等,以及金融机构信贷风险管理的主要做法等。对娄底市汇丰小额贷款公司风险管理现状进行了分析,包括公司介绍、风险管理机制、流程等,并指出了目前汇丰公司风险管理上的问题,包括小额贷款产品设计上存在一定的局限性,包括贷款成本压力较大,重发展、轻风险管理的思想较为普遍,贷前、贷中、贷后管理中的问题,公司自身也面临着融资难的问题等。由于国外小额贷款公司具有较长的发展历程,积累了较为丰富的经验,因此本文对孟加拉格莱珉银行、印尼人民银行和玻利维亚阳光银行的风险管理经验进行了分析,并提出了借鉴意义,包括充分利用老客户和熟人资源,简化手续的同时健全监督机制,加强与政府、金融机构的合作,推行小企业联保体贷款等。基于上述分析,本文提出娄底市汇丰小额贷款公司风险管理相关的建议,包括加强地区行业分析,优化产品线,规范业务操作流程,合理控制贷款业务的成本,加大对贷款的监测与审计力度,积极推动汇丰公司改制为村镇银行等。
[Abstract]:The establishment of micro-loan companies can not only provide loan support to the vast number of small enterprises and self-employed households, but also play an irreplaceable role in perfecting the structure of our financial system and promoting the healthy development of our market economy. China's microfinance industry started late, and there are many difficulties in its development and management. How to improve the risk management strength of microfinance companies and ensure their sustainable and healthy operation in the current market environment of our country is an important topic related to the prospects of the development of microfinance companies. Under this background, this paper studies the risk management of HSBC Microloan Company in Loudi, analyzes the risks in the process of its development, analyzes the risk reasons, and combines the theory with the practical experience at home and abroad. For the Loudi City HSBC microfinance company risk management to provide corresponding advice, but also for other similar microfinance companies to provide some reference. Firstly, based on the analysis of the current research situation at home and abroad, this paper studies the related concepts, including the basic concepts and characteristics of microfinance; The theory of credit risk management includes the types of credit risk, the theory of real instruments, the theory of capital conversion, and the main methods of credit risk management in financial institutions. This paper analyzes the present situation of risk management of HSBC Microloan Company in Loudi, including company introduction, risk management mechanism, process and so on, and points out the current problems in risk management of HSBC Corporation. Including some limitations in the design of micro-loan products, including the high pressure of loan cost, the emphasis on development, the widespread idea of overlooking risk management, the problems in management before, during and after loans, The company itself is also faced with financing difficulties and so on. As foreign microfinance companies have a long history of development and accumulated rich experience, this paper analyzes the risk management experience of Grameen Bank of Bangladesh, people's Bank of Indonesia and Bolivian Sunshine Bank. The paper also puts forward the significance of reference, including making full use of the resources of old customers and acquaintances, simplifying the procedures and perfecting the supervision mechanism, strengthening the cooperation with the government and financial institutions, and carrying out the small enterprise UNPROFOR loan and so on. Based on the above analysis, this paper puts forward some suggestions on risk management of HSBC Microloan Company in Loudi, including strengthening regional industry analysis, optimizing product line, standardizing business operation flow, and reasonably controlling the cost of loan business. Strengthen the monitoring and audit of loans, actively promote the restructuring of HSBC into village banks and so on.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F272.3;F832.4
本文编号：2420176
[Abstract]:The establishment of micro-loan companies can not only provide loan support to the vast number of small enterprises and self-employed households, but also play an irreplaceable role in perfecting the structure of our financial system and promoting the healthy development of our market economy. China's microfinance industry started late, and there are many difficulties in its development and management. How to improve the risk management strength of microfinance companies and ensure their sustainable and healthy operation in the current market environment of our country is an important topic related to the prospects of the development of microfinance companies. Under this background, this paper studies the risk management of HSBC Microloan Company in Loudi, analyzes the risks in the process of its development, analyzes the risk reasons, and combines the theory with the practical experience at home and abroad. For the Loudi City HSBC microfinance company risk management to provide corresponding advice, but also for other similar microfinance companies to provide some reference. Firstly, based on the analysis of the current research situation at home and abroad, this paper studies the related concepts, including the basic concepts and characteristics of microfinance; The theory of credit risk management includes the types of credit risk, the theory of real instruments, the theory of capital conversion, and the main methods of credit risk management in financial institutions. This paper analyzes the present situation of risk management of HSBC Microloan Company in Loudi, including company introduction, risk management mechanism, process and so on, and points out the current problems in risk management of HSBC Corporation. Including some limitations in the design of micro-loan products, including the high pressure of loan cost, the emphasis on development, the widespread idea of overlooking risk management, the problems in management before, during and after loans, The company itself is also faced with financing difficulties and so on. As foreign microfinance companies have a long history of development and accumulated rich experience, this paper analyzes the risk management experience of Grameen Bank of Bangladesh, people's Bank of Indonesia and Bolivian Sunshine Bank. The paper also puts forward the significance of reference, including making full use of the resources of old customers and acquaintances, simplifying the procedures and perfecting the supervision mechanism, strengthening the cooperation with the government and financial institutions, and carrying out the small enterprise UNPROFOR loan and so on. Based on the above analysis, this paper puts forward some suggestions on risk management of HSBC Microloan Company in Loudi, including strengthening regional industry analysis, optimizing product line, standardizing business operation flow, and reasonably controlling the cost of loan business. Strengthen the monitoring and audit of loans, actively promote the restructuring of HSBC into village banks and so on.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F272.3;F832.4
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