长春市华银小额贷款有限公司的信用风险管理研究

发布时间：2018-09-14 08:10

【摘要】：当前,由于小额贷款是一种简洁、快速且灵活的融资方式,因此很受小商户和小企业的欢迎。可以说,小额贷款公司的发展正在逐步取代民间非正规的贷款市场。但是,小额贷款公司的信用风险问题也日趋明显。“只贷不存”、信息的不对称性、制度不完善以及服务对象单一的特征,加之贷款主体的信用意识薄弱和专业人士稀缺,都会产生小额贷款机构信用风险。小额贷款公司应根据自身经营状况,分析潜在的信用风险,并了解风险的特殊性,正确地识别风险、评估风险、防控风险,进行切实可行的信用风险管理。信用风险管理研究能够使小额贷款公司充分认识问题,维持稳定健康的运营,有助于决策具备科学性,同时提高效益。如何控制和缩小小额贷款公司的信用风险,提升信用风险管理水平,确保小额贷款公司可以持续健康稳步发展,这是小额贷款市场亟需解决的问题。本文提出了小额贷款和信用风险的概念,分析了长春市华银小额贷款有限公司信用风险管理的现状、问题及原因分析;研究了小额贷款公司目标客户信用风险评估选优的原则,应用专家咨询法和相关性分析法设计了评估指标体系,并利用肯德尔和谐系数法和效度系数法进行信度和效度的检验;确定了计算评估指标权重和目标客户选优的方法,并建立了相应的评估模型;以申请贷款的三个目标客户为例进行了实证验证,并对选优结果进行分析;提出了小额贷款公司信用风险控制的措施。
[Abstract]:At present, microfinance is a simple, fast and flexible way of financing, so it is very popular among small businesses and small businesses. It can be said that the development of micro-credit companies is gradually replacing the non-formal loan market. However, the credit risk of small loan companies is also becoming more and more obvious. "only loan does not exist", the asymmetry of information, the imperfect system and the single characteristics of service object, together with the credit consciousness of the loan subject is weak and the professional person is scarce, all can produce the credit risk of the micro-loan institution. The small loan company should analyze the potential credit risk according to its own operating condition, understand the particularity of the risk, correctly identify the risk, evaluate the risk, prevent and control the risk, carry on the feasible credit risk management. The research of credit risk management can make the micro-loan company fully understand the problem, maintain the stable and healthy operation, and help to make the decision scientific, and at the same time, improve the benefit. How to control and reduce the credit risk of microfinance companies, improve the level of credit risk management, and ensure that microfinance companies can continue to develop healthily and steadily, which is a problem urgently needed to be solved in the microfinance market. This paper puts forward the concept of small loan and credit risk, analyzes the present situation, problems and reasons of credit risk management of Changchun Huayin Microcredit Co., Ltd. The evaluation index system is designed by using expert consultation method and correlation analysis method, and the reliability and validity of Kendall harmony coefficient method and validity coefficient method are tested. The corresponding evaluation model is established; the three target customers applying for loans are taken as an example to verify and analyze the optimal results; and the credit risk control measures of micro-loan companies are put forward.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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