崂山区小额贷款公司信贷风险管理研究

发布时间：2018-04-19 11:28

本文选题：小额贷款 + 信贷风险　；参考：《青岛科技大学》2017年硕士论文

【摘要】：作为一种以扶持贫困人群、促进经济增长为出发点而发展的金融活动,小额贷款自诞生以后在世界各国迅速发展,逐渐成为一种普遍应用的融资方式。2005年,我国正式启动小额贷款公司试点工作,伴随着市场需求的不断扩大和扶持政策的陆续推出,我国小额贷款行业发展总体向好,在面向“三农”、中小微企业和个体工商户的扶贫方面成效显著。但2015年四季度以来,我国小额贷款行业发展速度明显放缓,2016年上半年更是有史以来首次出现行业发展主要指标全面负增长,小额贷款公司如何规避风险、实现可持续发展引发各界关注。崂山区小额贷款公司试点工作始于2011年。在崂山区金融业快速崛起的大环境下,崂山区小额贷款公司发展迅速,在区域经济社会发展中发挥了积极作用,但也遇到了融资难、风险高、税负重、监管缺等问题,尤其近年来崂山区小额贷款行业出现了一定程度的行业萎缩,信贷风险已然成为崂山区小额贷款公司发展面临的主要难题。本文以信贷风险及其管理相关理论为基础,通过调查崂山区小额贷款公司发展概况、特征,挖掘其面临的主要信贷风险及其成因,同时对其信贷风险进行评价,为公司风险管控提供参考依据。本文首先介绍了小额贷款公司发展的国内外历史背景和相关理论研究成果,结合崂山区小额贷款公司发展的实际,对其面临的信贷风险及管理问题进行探讨。然后,运用层次分析法对各类信贷风险的影响因素进行细化,建立评价模型量化各因素的风险权重,进而利用量化结果对信贷风险进行评价。最后,以评价结果为基础,提出崂山区小额贷款公司强化信贷风险管理的对策和建议。
[Abstract]:As a financial activity to support the poor and promote economic growth, microfinance has developed rapidly in all countries in the world since its birth. It has gradually become a widely used financing mode.2005 year. China has officially started the pilot work of small loan companies, accompanied by the continuous expansion of market demand and support policies. Since the fourth quarter of 2015, the development speed of small loan industry in China has slowed obviously. In the first half of 2016, the main index of the industry development was overall negative increase in the first half of 2016. Long, small loan companies how to avoid risk and achieve sustainable development has aroused the attention of all walks of life. The pilot work of small loan companies in Laoshan district began in 2011. Under the rapid rise of the financial industry in Laoshan District, the small loan company in Laoshan district developed rapidly, played an active role in the development of regional economic and social development, but also encountered difficulties in financing. In recent years, the credit risk has become the main problem for the development of small loan companies in the Laoshan district. This paper, based on the credit risk and its management theory, is based on the investigation of the development of the small loan companies in the Laoshan District, which is the main problem in the small loan industry in Laoshan district. This paper first introduces the domestic and foreign historical background and relevant theoretical research results of the development of microfinance companies, and combines the reality of the development of small loan companies in Laoshan district. The credit risk and management problems are discussed. Then, the analytic hierarchy process is used to refine the influencing factors of all kinds of credit risk, establish the evaluation model to quantify the risk weight of each factor, and then evaluate the credit risk by using the quantitative results. Finally, based on the evaluation results, this paper puts forward the strengthening credit of the small loan companies in Laoshan district. Countermeasures and suggestions for risk management.

【学位授予单位】：青岛科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39

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