商业银行小额贷款风险管理研究

发布时间：2018-01-07 04:07

本文关键词：商业银行小额贷款风险管理研究　出处：《华南理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：小额贷款指的是在不需要客户提供抵押担保的情况下，为那些分散的低收入阶层、个体户和小微企业提供的一种额度较低的信贷服务。对商业银行而言，小额贷款具有风险较显著，成本高等特征，直接导致商业银行没有动力去积极开拓小额贷款业务。学界在商业银行“要不要发展小额贷款”和“应该怎么样发展小额贷款”这两个问题上一直存在一些不同的看法。在绪论部分，本文首先指出商业银行加快发展小额贷款业务是形势所需，肯定了商业银行“要发展小额贷款”。接着在“应该怎么样发展小额贷款”这个问题上，本文认为小额贷款的风险较显著是制约商业银行小额贷款的最关键性的因素。因此需要着重解决商业银行小额贷款风险管理问题，这也是本文研究的主题与核心。通过分析我们发现商业银行小额贷款的风险管理存在三个方面的缺陷：贷前调查所依据的信用评级体系有待完善；贷中审查时，支持小额贷款风险决策的数据分析能力不强；贷后风险管理薄弱。本文从风险管理的流程和机制两方面对其进行优化。机制改革方面，需要进一步优化小额贷款评分模型，丰富信贷征信系统信息，提升数据挖掘与数据分析的能力。流程创新方面，积极拓展第三方评级市场，构建合理的资金闭合回路。通过这两个方面的优化，可以有效提高商业银行小额贷款的风险管理水平，实现商业银行小额贷款的健康持续发展。最后本文以阿里小贷新型风险管理案例论证了本文的观点。指出阿里小贷在风险管理上的优势——较完整的交易数据库以及相对成熟的信用评价体系，强大的数据分析和数据支持决策能力，，独特的封闭流程，恰当的抵押物是其能在竞争激烈的小额贷款市场上脱颖而出的重要原因。
[Abstract]:Microfinance is a credit facility that provides a lower amount of credit to a dispersed low-income group, self-employed and microenterprise without the need for a client to provide collateral. For commercial banks. Microfinance is characterized by significant risk and high cost. As a direct result, commercial banks have no incentive to actively develop microfinance business. Academic circles in commercial banks "want to develop small loans" and "how to develop small loans" There have been some different views on these two issues. In the introduction part, this paper first points out that it is necessary for commercial banks to speed up the development of microfinance business. Affirmed the commercial bank "want to develop small loans". Then on the "how to develop small loans" on this issue. This paper thinks that the risk of small loans is the most important factor that restricts the commercial banks' small loans, so it is necessary to solve the problem of risk management of commercial banks' small loans. This is also the theme and core of this study. Through the analysis, we find that there are three defects in the risk management of commercial bank microfinance: the credit rating system based on the pre-loan investigation needs to be improved; At the time of loan review, the ability of data analysis to support micro-loan risk decision is not strong; The risk management after loan is weak. This paper optimizes the risk management from two aspects: the process and mechanism of risk management. In the aspect of mechanism reform, it is necessary to further optimize the micro-credit scoring model and enrich the information of credit information system. Improve the ability of data mining and data analysis. Process innovation, actively expand the third-party rating market, build a reasonable closed loop. Through these two aspects of optimization. It can effectively improve the risk management level of commercial bank microfinance, and realize the healthy and sustainable development of commercial bank microfinance. Finally, this paper demonstrates the viewpoint of this paper with the new risk management case of Ali small loan. It points out the advantage of Ali small loan in risk management-a relatively complete transaction database and a relatively mature credit evaluation system. Strong data analysis and data support decision-making ability, unique closed process, appropriate collateral are the important reasons why it can stand out in the highly competitive microfinance market.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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