重庆BY小贷公司经营优化方案研究

发布时间：2018-03-23 11:36

本文选题：小额贷款　切入点：经营困境　出处：《广西大学》2017年硕士论文

【摘要】：重庆BY小额贷款公司成立于2010年,是重庆市最早一批试点成立的小贷公司之一。从最初成立时的注册资金1亿元,资产管理规模不足1.5亿元,到2015年底注册资金8亿元,资产管理规模达16亿元,BY小贷公司用5年时间走过了一条跨越式发展的道路。然而,随着中国经济进入新常态发展模式,小贷公司的经营逐渐出现问题,主要表现为由于中小微企业大量破产倒闭,小贷公司贷款不良率急剧上升,加上外源融资通道不畅,使得经营难以为继。BY小贷公司受此大环境影响,也出现了诸多类似问题,如何通过内部革新以适应经济大环境的变革,走上一条可持续经营的道路,是摆在BY小贷公司管理层面前亟待解决的课题,也是本文需要着重研究的重点。本文从研究国内外关于小额信贷理论和实践的经验入手,简要评述小额信贷作为国家普惠金融发展战略组成部分的重要性,说明小额信贷未来发展是受到政策鼓励和支持的。接着,运用PEST分析方法,剖析政策环境、经济环境、社会环境以及技术条件等因素对BY公司经营的影响,明确BY小贷公司经营中面临的机遇、风险、优势和不足。在此基础上,利用波特五力竞争理论和SEEP财务比率分析法,通过对BY公司贷款品种、风控手段、财务状况、融资渠道等经营核心内容分析,解析经营困境所在。最后,针对经营中存在的问题,提出各方面优化改进方案,以及为保障优化措施能顺利落地,而提出经营优化的保障措施,以期BY小贷公司能跨越发展障碍,走上一条健康的可持续经营之路。
[Abstract]:Chongqing by Microloan Company was established in 2010 and is one of the earliest small loan companies in Chongqing. From its initial registered capital of 100 million yuan, asset management scale of less than 150 million yuan, to the end of 2015 registered capital of 800 million yuan. The asset management scale of 1.6 billion yuan by small loan companies has gone through a leapfrog development road in five years. However, as the Chinese economy enters the new normal development mode, the management of small loan companies has gradually appeared problems. Mainly because of a large number of small and medium-sized enterprises going bankrupt and closing down, the loan failure rate of small and medium-sized loan companies has risen sharply, and the external financing channels are not free, which makes it difficult to operate. By small loan companies are affected by this big environment, and there are many similar problems. How to adapt to the change of economic environment through internal innovation and take the path of sustainable management is a problem that needs to be solved urgently in front of the management of by small loan company. This paper begins with the domestic and foreign experiences on microfinance theory and practice, and briefly comments on the importance of microfinance as a part of the national inclusive financial development strategy. It shows that the future development of microfinance is encouraged and supported by policies. Then, by using PEST analysis method, this paper analyzes the influence of policy environment, economic environment, social environment and technical conditions on the operation of by Company. This paper makes clear the opportunities, risks, advantages and disadvantages faced by by small loan companies in operation. On this basis, by using Porter's five-force competition theory and SEEP financial ratio analysis, the paper makes use of the variety of loans, the means of risk control and the financial situation of by Company. Finally, in view of the problems existing in the operation, the paper puts forward the optimization and improvement scheme in all aspects, and puts forward the safeguard measures for the operation optimization to ensure the smooth landing of the optimization measures. Hope that by small loan companies can surmount the obstacles to development, on a healthy and sustainable management road.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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