陕西长银消费金融有限公司风险管控模式研究

发布时间：2018-06-04 00:35

本文选题：长银消费金融公司 + 信贷风险　；参考：《西北大学》2016年硕士论文

【摘要】：我国消费金融试点工作自2009年开始以来,作为一种专门提供小额、无抵押、无担保消费贷款的非银行金融机构,消费金融公司发展迅速,其发起人由最初的银行系逐步延伸到零售百货企业、家电制造企业、电子商务企业与运营商等多个领域中,在促进我国消费转型升级的同时,也为民生保障与经济结构调整提供了动力。然而,我国消费金融公司起步较晚,无论是在外部配套基础设施上,还是在公司本身内部业务风险管控流程上,抑或者是消费者权益保障上均存在不少问题,增加了消费金融公司在经营发展中的风险与不确定性,在一定程度上限制了国内消费金融公司的健康与持续发展。本文从风险管理角度出发,通过对国内外研究成果的收集与梳理,深入分析了国内消费金融公司风险管理的特点与度量模型；以陕西长银消费金融有限公司(以下简称“长银消费金融公司”)为例,采用系统分析法与案例分析法结合的方法对比了消费金融公司信贷产品特点,指出了其贷款业务与其他消费类贷款的区别,总结了消费金融公司所面临的风险种类及其产生的原因；借助风险管理工具,对长银消费金融公司的消费信贷产品风险控制流程进行了评估,根据信贷操作流程分别制定了贷前、贷中和贷后三个阶段的风险控制措施,最后结合国内消费信贷市场环境与长银消费金融公司现状,从内部配套保障与外部配套保障两个方面设计了一套风险管控体系,以保证以长银消费金融公司获得成长的持续性,更好地实现我国消费经济的健康长远发展。
[Abstract]:Since the beginning of the pilot work of consumer finance in China in 2009, as a non-bank financial institution specialized in providing small, unsecured and unsecured consumer loans, consumer finance companies have developed rapidly. Its sponsors have gradually extended from the original banking system to retail department stores, home appliance manufacturing enterprises, e-commerce enterprises and operators, while promoting the transformation and upgrading of consumption in China. Also for the livelihood of the people and economic restructuring to provide impetus. However, China's consumer finance companies started relatively late, whether in the external supporting infrastructure, or in the company's own internal business risk control process, or consumer rights and interests protection, there are many problems. It increases the risk and uncertainty in the development of the consumer finance company, and restricts the healthy and sustainable development of the domestic consumer finance company to a certain extent. From the perspective of risk management, this paper analyzes the characteristics and measurement models of domestic consumer finance companies' risk management by collecting and combing the domestic and foreign research results. Taking Shaanxi Changyin Consumer Finance Co., Ltd. (hereinafter referred to as "Changyin Consumer Finance Company") as an example, the characteristics of credit products of consumer finance companies are compared by the method of system analysis and case analysis. This paper points out the difference between its loan business and other consumer loans, summarizes the types of risks faced by consumer finance companies and their causes, and makes use of risk management tools. The risk control process of consumer credit products of Changyin Consumer Finance Company is evaluated. According to the credit operation process, the risk control measures in the three stages before, after and after the loan are worked out respectively. Finally, according to the domestic consumer credit market environment and the current situation of Changyin consumer finance company, a set of risk control system is designed from two aspects of internal supporting guarantee and external supporting guarantee, in order to ensure the sustainable growth of Changyin consumer finance company. Better realize the healthy and long-term development of our consumption economy.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.39

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