HR消费金融公司风险控制研究

发布时间：2018-06-05 18:05

本文选题：消费金融 + 消费金融公司　；参考：《安徽大学》2017年硕士论文

【摘要】：长期以来,"投资"、"出口"、"消费"是拉动我国经济增长的"三驾马车",在近年来投资和出口拉动国民经济动力不足的情况下,消费主导经济成为我国经济发展的必然趋势。消费主导型经济刺激了内需,衍生了巨大的消费金融市场,使得更多金融机构进入消费金融领域,消费金融公司就是这一领域的主要金融机构之一。我国从2009年开始颁布消费金融公司试点办法,2010年设立全国第一家试点的消费金融公司,随着消费金融行业的发展和消费金融公司试点数量的逐步增加,有关消费金融及消费金融公司的研究成为当前理论界的热点,但是当前理论界研究的主要是消费金融公司的运营模式和发展状况,人们对消费金融公司的内部管理、尤其是风险控制情况的研究成果较少。而消费金融公司属于类银行的金融机构,金融机构的风险控制对消费金融公司的发展有至关重要的影响,因此有效的风险控制对于保证消费金融行业健康稳定发展、深入研究消费金融公司的风险控制问题是非常必要的。本文基于上述原因,对消费金融行业进行深入分析,对消费金融行业的代表性企业消费金融公司开展了研究。本文共分为五章。第一章绪论主要介绍了本文的研究背景和意义,对国内外学者有关消费金融行业和消费金融公司风险控制方向的研究情况进行了回顾,并且详细介绍了本文的研究思路和方法,同时提出了本文的创新点与特色。第二章是本文研究的理论基础,对消费金融的涵义、消费金融公司的涵义及特点、全面管理理论、巴塞尔协议和商业银行资本管理办法分别进行了介绍。第三章是对HR消费金融公司的具体案例现状进行分析,首先对我国消费金融公司的发展现状进行介绍,其次对HR消费金融公司从概况和业务特色方面进行介绍,最后根据对HR消费金融公司风险控制的现状分析提出HR消费金融公司风险控制存在的问题。第四章是在前一章对风险控制情况分析的基础上,有的放矢的针对上面提出的问题大致从客户资质、技术建设、监督机制、风险考核四个方面提出改进建议。最后第五章是对本文研究进行的总结和展望,总结了本文研究成果,展望了本文在已经做出深入研究分析的基础上仍然存在欠妥之处。
[Abstract]:For a long time, "investment", "export" and "consumption" are the "troika" to stimulate the economic growth of our country. In recent years, when the investment and export drive the national economy to be insufficient, the consumption-oriented economy has become the inevitable trend of our country's economic development. The consumption-oriented economy stimulates domestic demand and gives rise to a huge consumer financial market, which makes more financial institutions enter the consumer finance field. Consumer finance companies are one of the main financial institutions in this field. China began to promulgate the pilot measures for consumer finance companies in 2009. In 2010, China established the first pilot consumer finance company in China. With the development of consumer finance industry and the gradual increase of the number of pilot projects of consumer finance companies, The research on consumer finance and consumer finance companies has become a hot topic in the current theoretical circle. However, the current theoretical field mainly studies the operation mode and development situation of consumer finance companies, and the internal management of consumer finance companies. Especially, the research results of risk control are few. But the consumer finance company belongs to the kind of bank financial institution, the financial institution's risk control has the vital influence to the consumer finance company's development, therefore the effective risk control is to guarantee the consumption finance profession to develop healthily and stably. It is necessary to study the risk control of consumer finance companies in depth. Based on the above reasons, this paper makes a thorough analysis of the consumer finance industry, and studies the representative enterprises of the consumer finance industry, the consumer finance company. This paper is divided into five chapters. The first chapter mainly introduces the research background and significance of this paper, reviews the research situation of domestic and foreign scholars on the direction of risk control of consumer finance industry and consumer finance companies, and introduces the research ideas and methods in detail. At the same time, the innovation and characteristics of this paper are put forward. The second chapter is the theoretical basis of this study, the meaning of consumer finance, the meaning and characteristics of consumer finance companies, comprehensive management theory, Basel Accord and commercial bank capital management methods are introduced. The third chapter is to analyze the specific case of HR consumer finance company. Firstly, it introduces the current situation of the development of consumer finance company in China. Secondly, it introduces the general situation and business characteristics of HR consumer finance company. Finally, according to the current situation of risk control of HR consumer finance company, the problems of risk control of HR consumer finance company are put forward. The fourth chapter is based on the analysis of the risk control situation in the previous chapter, aiming at the problems raised above from customer qualification, technical construction, supervision mechanism, risk assessment four aspects of improvement suggestions. Finally, the fifth chapter is the summary and prospect of this study, summarizes the research results of this paper, and looks forward to the shortcomings of this paper on the basis of in-depth research and analysis.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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