FC农信社小额信贷风险内部控制评价研究

发布时间：2018-04-10 23:42

本文选题：小额信贷 + 风险内部控制　；参考：《中国石油大学(华东)》2014年硕士论文

【摘要】：近年来,小额信贷成为农村经济发展重要的融资渠道,成为改善农村经济的重要手段。而农村信用社作为农村金融发展的重大力量,是小额信贷发展的一大推动力量。小额信贷一直面临着多方面的风险因素。外部风险的不确定因素难以控制,所以小额信贷风险的内部控制成为小额信贷机构非常重要的工作内容。FC市农村信用社作为地区性的农业金融服务机构,一直致力于小额信贷的推广,但由于起步较晚,并受到多方面的因素限制,所以在小额信贷风险内部控制方面的工作并不成熟。本文借鉴国内外针对小额信贷风险内部控制研究,以及FC农信社的具体情况,对其小额信贷风险内部控制管理进行了相关研究,并据此提出了一些提升建议。本文在分析研究背景意义及国内外现状后概述了本文主要研究内容及方法。借鉴国内外对于信贷内控评价的研究以及结合FC农村信用社小额信贷风险内部控制管理的具体情况,本文从内部控制环境、风险识别评估控制、人力资源、信息交流、贷后监督管理五个方面构建了FC农信社小额信贷风险内控评价指标体系。并运用此指标体系使用层次分析法及模糊综合评价方法对FC农信社小额信贷风险内部控制进行实证研究。最后依据实证分析和FC农信社发展情况提出了加强FC农信社小额信贷风险内部控制的建议。
[Abstract]:In recent years, microfinance has become an important financing channel for rural economic development and an important means to improve rural economy.Rural credit cooperatives as a major force in rural financial development, is a major driving force for the development of microfinance.Microfinance has been faced with a variety of risk factors.The uncertainty of external risks is difficult to control, so the internal control of micro-credit risk has become a very important part of the work of micro-credit institutions .FC City Rural Credit Cooperative as a regional agricultural financial service organization,It has been committed to the promotion of microcredit, but due to the late start and limited by many factors, the work on the internal control of microfinance risk is not mature.Based on the domestic and foreign research on the internal control of micro-credit risk and the concrete situation of FC Rural Credit Cooperative, this paper studies the internal control management of micro-credit risk, and puts forward some suggestions to promote it.After analyzing the background significance and the present situation at home and abroad, this paper summarizes the main research contents and methods.Referring to the domestic and foreign research on credit internal control evaluation and combining with the concrete situation of FC rural credit cooperatives' internal control and management of micro-credit risk, this paper discusses the internal control environment, risk identification and evaluation control, human resources, information exchange, etc.This paper constructs the evaluation index system of micro-credit risk of FC Rural Credit Cooperative in five aspects of supervision and management after loan.This index system is used to make an empirical study on the internal control of micro-credit risk of FC Rural Credit Cooperative by using the analytic hierarchy process and fuzzy comprehensive evaluation method.Finally, according to the empirical analysis and the development of FC Rural Credit Cooperative, the paper puts forward some suggestions to strengthen the internal control of micro-credit risk in FC Rural Credit Cooperative.
【学位授予单位】：中国石油大学(华东)
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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