小额贷款公司风险评价体系的构建及风险控制研究

发布时间：2018-01-13 17:16

本文关键词：小额贷款公司风险评价体系的构建及风险控制研究　出处：《南昌大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来，我国小额贷款公司发展迅速，其成立的初衷是为解决农户、个体工商户和小微企业融资问题探索一条新的出路。经过几年的实践与发展，小额贷款公司在社会效应方面已取得了良好的效果，在一定程度上改善了农村金融服务、解决了小微企业融资难问题。但不容忽视的是，有许多深层次的问题亟待解决，尤其是风险控制问题。风险管理是企业管理的重要环节，关系到企业的生死存亡。而对于小额贷款公司这种风险高度集中的企业，风险管理显得尤为重要。通过本人对江西省金融办和南昌市小额贷款公司进行实地调研和问卷调查，，对小额贷款公司的经营模式、特点等进行了阐述，并对小额贷款公司风险控制现状、与其他金融机构风险控制的区别及国外经验借鉴进行了深层次的分析，从而为构建小额贷款公司风险评价体系奠定基础。本文采用定性与定量分析相结合的方法，运用模糊层次分析法（FAHP）确定评价体系的指标权重，以构建小额贷款公司风险评价体系，将小额贷款公司所面临的风险进行量化，并依此量化数据来更有效地控制和降低小额贷款公司的风险，以保证其持续健康发展。
[Abstract]:In recent years, microfinance companies in China have developed rapidly. The original intention of their establishment is to explore a new way to solve the financing problems of peasant households, individual businesses and small and micro enterprises. After several years of practice and development. Microfinance companies have achieved good results in terms of social effects, to a certain extent, improve rural financial services, to solve the financing problem of small and micro enterprises, but can not be ignored. There are many deep problems to be solved, especially risk control. Risk management is an important part of enterprise management, related to the survival of enterprises. Risk management is particularly important. Through the field investigation and questionnaire survey of Jiangxi Financial Office and Nanchang Microfinance Company, the management model and characteristics of microfinance companies are expounded. And the risk control status of microfinance companies, and other financial institutions risk control differences and foreign experience for reference for a deep analysis. In order to establish the foundation for the risk evaluation system of micro-credit companies, this paper uses the method of qualitative and quantitative analysis, using the fuzzy analytic hierarchy process to determine the index weight of the evaluation system. In order to construct the risk evaluation system of microfinance companies, the risks faced by microfinance companies will be quantified, and according to the quantitative data to more effectively control and reduce the risks of microfinance companies. To ensure its sustained and healthy development.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39;F272.3

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