TY小额贷款公司风险管理研究

发布时间：2018-03-31 12:23

本文选题：小额信贷　切入点：TY小额贷款公司　出处：《山东大学》2014年硕士论文

【摘要】：中国作为一个农业大国,“三农”问题始终是关系到国计民生、社会稳定的重要问题。另外,改革开放以来,中小企业的数量不断增加,中小企业在促进我国GDP增长、解决人口就业、创造税收收入等方面都发挥着重要作用。但是长期以来,我国农村金融体制不健全、中小企业金融服务匮乏,“三农”、中小企业融资难成为了制约我国农村经济和中小企业发展的主要因素。在此背景下,2005年我国开始进行小额贷款公司的试点工作,一批小额贷款公司相继面世,以SDTY集团为首的多家优秀企业和自然人适时把握经济与金融发展的脉搏,与时俱进,共同筹建TY小额贷款公司。小额贷款公司的发展,主要目的就是解决“三农”、中小企业融资难的问题。但由于其设立和经营等方面的特殊性,小额贷款公司还隐存着一系列的风险问题,这些风险是否能够得到控制将关系到小额贷款公司的生存之道、县域经济的发展状况,甚至关系到我国金融市场的秩序。论文以TY小额贷款公司为研究对象,通过文献研究和访谈调查的方法,分析其经营过程中各种风险产生的原因以及应对策略最后得出结论：小额贷款公司作为典型的风险管理型企业,其业务、管理的特性决定了很多风险都伴随着小额贷款公司的经营活动而存在,因此风险管理是小额贷款公司生存发展的根本选择。对于小额贷款公司来说,其面对的风险主要是合规风险和贷款损失风险,但这两类风险产生的原因却往往是因为道德风险。也就是说,合规风险和贷款损失风险是影响公司目标实现的直接原因,道德风险是影响公司目标实现的间接原因,也是前两者风险的主要诱因之一。只有通过优化公司风险管理体系,即形成先进并且科学的风险管理文化理念、构建完整而有效的风险管理架构体系、建立完善和全面的内控制度体系、实行严肃和具有威慑力的风险考核、责任追究机制,才能最终实现小额贷款公司风险管理的目标。论文的研究不仅有助于培育TY小额贷款公司形成自身的核心竞争力,使之在激烈的市场竞争中立于不败之地。同时,论文研究得出的结论还能够对同业在制定风险管理架构时,提供一个可参考的范本,具有一定的指导意义。
[Abstract]:As a large agricultural country, the issue of "agriculture, rural areas and farmers" in China has always been an important issue related to the national economy and people's livelihood and social stability. In addition, since the reform and opening up, the number of small and medium-sized enterprises has been increasing, and small and medium-sized enterprises are promoting the growth of GDP in our country. It plays an important role in solving the problem of population employment and creating tax revenue. However, for a long time, the rural financial system in China has not been perfect. The lack of financial services for small and medium-sized enterprises, the "three rural areas", and the difficulty in financing SMEs have become the main factors restricting the development of rural economy and small and medium-sized enterprises in China. In this context, in 2005, China began to carry out the pilot work of micro-credit companies. A number of microfinance companies have emerged one after another. Many excellent enterprises and natural persons, led by the SDTY Group, have grasped the pulse of economic and financial development at the right time, kept pace with the times, and jointly prepared for the development of the TY microfinance company. The main purpose is to solve the problem of "three rural areas" and the financing difficulties of small and medium-sized enterprises. However, due to the particularity of its establishment and operation, there are still a series of risk problems hidden in microfinance companies. Whether these risks can be controlled or not will affect the survival of microfinance companies, the development of county economy, and even the order of our financial market. This paper takes TY Microloan Company as the research object, through the literature research and the interview investigation method, This paper analyzes the causes of various kinds of risks in the course of its operation and concludes that as a typical risk management enterprise, the micro-loan company has its business. The nature of management determines that many risks exist along with the business activities of microfinance companies, so risk management is the fundamental choice for the survival and development of microfinance companies. The risk it faces is mainly compliance risk and loan loss risk, but these two kinds of risks are often caused by moral hazard. That is to say, compliance risk and loan loss risk are the direct reasons that affect the realization of the company's goal. Moral hazard is the indirect reason that affects the realization of the company's goal, and it is also one of the main inducements of the former two risks. Only by optimizing the risk management system of the company, that is, to form the advanced and scientific risk management culture idea, Only by constructing a complete and effective risk management system, establishing a perfect and comprehensive internal control system, carrying out a serious and deterrent risk assessment and accountability mechanism, can we finally achieve the goal of risk management in microfinance companies. The research of this paper is not only helpful to cultivate TY microfinance company to form its own core competitiveness, so that it can be in an invincible position in the fierce market competition. At the same time, The conclusion of this paper can also provide a reference model for the development of risk management framework.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.3;F832.39

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