基于AHP模型的小额贷款公司信用风险管理研究

发布时间：2018-01-17 20:41

本文关键词：基于AHP模型的小额贷款公司信用风险管理研究　出处：《贵州财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：本文通过对小额贷款的产生、发展以及对小额贷款机构在全球范围内的信用风险管理方面研究的梳理，不难发现金融界对信用风险的管理模式存在着一种从定性管理到定量管理，从简单的主观推断到客观的数学运算的发展趋势。但是，实际上小额贷款机构对信用风险的管理却与先进的理论相去甚远，尤其是那些微型金融机构，由于人才紧缺，管理显得非常混乱。而小额贷款机构在开展贷款业务时，主要还是依靠信贷员的主观定性评估，这样就会产生很多的问题，比如信贷员为了提高业绩而故意放宽贷款条件。这些问题都不容小觑，是小额贷款机构面临的重要问题，有待进一步解决。这种情况下，就急需一种准确的、统一的、客观的以及能够定量分析的信用风险评估方法，随着这种信用风险评估方法的引入，传统的专家评分法潜在的问题就在很大程度上得到了解决。引入AHP信用风险评估模型之后，在开展贷款业务时，信贷员就必须对客户资料进行收集，继而采用AHP信用风险评估系统对其进行信用评分，将所得的数值同参考值进行比较，最后根据所得比较值的大小来决定是否放贷以及放贷的多少。这种贷款决策就避免了信贷员为了提高自己的业绩而故意放宽贷款条件。不仅如此，，因为这种信用风险评估系统具有公正性、客观性，也能避免由于信贷员水平的差异而造成的贷款决策差异甚至决策背离，有利于对贷款业务的统一、规范管理。采用AHP信用风险评估模型进行贷款决策，具有简单、易行、快速、高效的好处，小额贷款机构对信贷员数量的依赖性就相对降低，自然就降低了业务成本，而贷款的效率却不降反增。由此可见，对小额贷款机构而言，引入AHP信用评分模型对信用风险进行管理是非常重要的，具有划时代的意义。
[Abstract]:In this paper, the emergence, development and credit risk management of micro-credit institutions in the global scope of the comb. It is not difficult to find that the management mode of credit risk in financial circles has a developing trend from qualitative management to quantitative management, from simple subjective inference to objective mathematical operation. In fact, the management of credit risk by microfinance institutions is far from the advanced theory, especially those micro-financial institutions, because of the shortage of talents. The management is very confused. But the microfinance institutions in the development of loan business, or mainly rely on the subjective qualitative assessment of credit officers, so that there will be a lot of problems. For example, credit officers deliberately relax loan conditions in order to improve their performance. These problems are not to be underestimated. They are important problems facing microfinance institutions and need to be further resolved. In this case, there is an urgent need for an accurate, unified, objective and quantitative credit risk assessment method, with the introduction of this credit risk assessment method. The potential problem of traditional expert scoring method is solved to a large extent. After the introduction of AHP credit risk assessment model, the credit officer must collect customer information when developing loan business. Then AHP credit risk assessment system is used to evaluate its credit score, and the obtained value is compared with the reference value. Finally, depending on the value of the comparison, you decide whether to lend and how much you lend. This kind of loan decision avoids the credit officer deliberately relaxing loan conditions to improve his performance. Not only that. Because the credit risk evaluation system is impartial and objective, it can avoid the difference of loan decision and even the deviation of decision caused by the difference of credit officer level, which is beneficial to the unification of loan business. Standardized management. Using AHP credit risk assessment model to make loan decisions has the advantages of simple, easy, fast and efficient, and the dependence of microfinance institutions on the number of credit officers is relatively reduced. Naturally, the cost of business is reduced, but the efficiency of loans is not reduced, but increased. Thus, it is very important to introduce AHP credit scoring model to manage credit risk. Of epoch-making significance.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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