L市邮储银行小额贷款信用风险管理研究

发布时间：2018-03-05 01:29

本文选题：小额贷款　切入点：信用风险　出处：《安徽财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：2004年至今连续13年的中央一号文件提及“三农”发展,说明党和政府将“三农”发展放在至关重要的位置。在解决农民增收、农业发展及农村稳定的工作中,核心是农民增收问题。我国广大农民在增收的道路上遇到的最大阻碍就是没有资金支持。邮储银行自成立以来,就致力于服务“三农”,依托网点优势,打造专业化的服务团队。小额贷款产品就是专门为扶持“三农”而设计的产品。自2008年L市邮储银行成立以来,小额贷款的信贷投放量达到41亿元,打下了良好的市场基础,得到了监管机构、政府以及贷款客户的一致好评。但是随着业务规模的不断扩大,资产质量问题成为困扰小额贷款业务进一步发展的瓶颈。虽然目前资产质量在可控范围内,但是在一定程度上影响了发展的积极性。归根到底在于信用风险引发的资产质量状况形势进一步严峻。本文在对国内外文献中有关小额贷款信用风险影响因素及信用风险管理进行总结的基础上进行实证研究,得出了影响L市邮储银行小额贷款客户信用风险违约的影响因素主要包括借款人家庭年收入、从业年限、受教育程度、还款方式及联保小组成员是否违约,对于具体实践具有一定借鉴指导意义。本文首先介绍了选题背景、研究目的与意义,并对国文外有关小额贷款信用风险影响因素及信用风险管理相关文献进行了归纳总结。其次介绍了小额贷款的特征,重点总结了经过不断发展创新的小额贷款特征,对小额贷款的信用风险表现形式及信用风险管理的内涵及特点进行了阐述,并重点对不对称理论进行了介绍,为信用风险管理提供了理论依据。再次实证部分首先对L市邮储银行小额贷款产品发展情况、业务经营情况、信用风险管理情况进行了描述。信用风险管理情况重点介绍了信用风险的影响因素及成因分析。然后通过选取2014年部分样本进行实证分析建立Logit模型并以2015年的样本进行实证检验预测,得出了影响L市邮储银行小额贷款信用风险的主要影响因素。最后在Logit模型的基础上,提出了防范小额贷款信用风险的相关措施并对L市邮储银行的信用风险管理工作提出建议。
[Abstract]:The first document of the Central Committee, held for 13 consecutive years since 2004, mentioned the development of "agriculture, countryside and farmers", indicating that the Party and the government put the development of "agriculture, rural areas and farmers" in a crucial position. In solving the problems of increasing farmers' income, agricultural development and rural stability, The core is the problem of increasing farmers' income. The biggest obstacle that the vast number of peasants in our country encounter on the road of increasing income is the lack of financial support. Since its establishment, the Postal savings Bank has devoted itself to serving the "three rural areas" and relying on the advantages of the network. To create a specialized service team. Microfinance products are designed specifically to support the "three rural areas". Since the establishment of the L City Postal savings Bank in 2008, the amount of credit for small loans has reached 4.1 billion yuan, which has laid a good market foundation. It has been well received by regulators, governments and loan customers. But as the business continues to expand, asset quality issues have become a bottleneck for the further development of the microfinance business, although asset quality is currently under control. But to some extent, it affects the enthusiasm of development. In the final analysis, the situation of asset quality caused by credit risk is more severe. Credit risk management based on the summary of empirical research, It is concluded that the influencing factors of credit risk default of micro-loan customers in L City Postal savings Bank include the annual income of the borrower's family, the years of employment, the level of education, the way of repayment and whether the members of the protection group have defaulted or not. This paper first introduces the background of the topic, the purpose and significance of the research. Secondly, it introduces the characteristics of micro-credit, and summarizes the characteristics of micro-credit through the continuous development and innovation of micro-credit, and then summarizes the characteristics of micro-credit, and summarizes the relevant documents about the credit risk and credit risk management of micro-credit outside the Chinese language, then introduces the characteristics of micro-credit, with emphasis on the characteristics of micro-credit. This paper expounds the forms of credit risk, the connotation and characteristics of credit risk management, and introduces the asymmetric theory. It provides a theoretical basis for credit risk management. Again, the empirical part first of all to L City Postal savings Bank micro-loan products development, business operations, The paper mainly introduces the influencing factors and causes of credit risk, and then establishes the Logit model by selecting some samples from 2014 to establish the Logit model. The samples are predicted by empirical test. The main factors influencing the credit risk of L City Postal savings Bank are obtained. Finally, on the basis of Logit model, This paper puts forward some measures to prevent the credit risk of small loans and puts forward some suggestions for the credit risk management of L City Postal savings Bank.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F618.3

【相似文献】