辽宁省庄河市荣祥小额贷款公司的信贷风险研究

发布时间：2018-01-17 14:24

本文关键词：辽宁省庄河市荣祥小额贷款公司的信贷风险研究　出处：《东北大学》2014年硕士论文　论文类型：学位论文

【摘要】：小额贷款公司作为我国金融市场的新生产物,近年来在我国各个地区如雨后春笋般大量的出现,发展十分迅速。然而,小额贷款公司快速发展的同时,其背后却也隐藏着多种风险。信贷风险作为渗透于小额贷款公司整体经营流程的风险,俨然已经成为小额贷款公司面临的最大的挑战之一。辽宁省庄河市荣祥小额贷款公司是辽宁省庄河市一家小额贷款公司,在其经营过程中也同样面临着较大的信贷风险。因此,全面、系统、深入地研究辽宁省庄河市荣祥小额贷款公司的信贷风险,并科学、有效地识别、评估和防范这些信贷风险对其生存和发展具有非常重要的意义。本文首先对国内外小额贷款公司的设立和发展背景进行了回顾,概括和总结了小额贷款公司相关的理论和概念,并对小额贷款公司的信贷风险进行了分类整理。然后,在对辽宁省庄河市荣祥小额贷款公司的经营和发展现状以及经营特点进行全面的分析的基础上,提出从“资金流动”的视角对辽宁省庄河市荣祥小额贷款公司所面临的信贷风险进行识别和分类,识别出操作风险、道德风险、政策风险、法律风险、环境风险、市场风险、信用风险、利率风险以及流动性风险等9类信贷风险,并对每种信贷风险的成因进行分析。接着,又利用层次分析法对识别出来的各类信贷风险进行了评估与排序,依据其重要程度划分为A类风险(重要风险)、B类风险(次要风险)和C类风险(一般风险)。最后,根据风险评估的结果,结合辽宁省庄河市荣祥小额贷款公司的实际情况和现有条件,本文提出了具有针对性的防范和治理各类信贷风险的对策建议。
[Abstract]:Microfinance companies as a new product of the financial market in China in recent years in all regions such as springing up a large number of development is very rapid. However the rapid development of microfinance companies at the same time. Credit risk is the risk that permeates the whole business process of micro-loan company. It has become one of the biggest challenges for microfinance companies. Rongxiang Microloan Company of Zhuanghe City, Liaoning Province is a microfinance company in Zhuanghe City, Liaoning Province. Therefore, the credit risk of Rongxiang small loan Company in Zhuanghe City, Liaoning Province, is studied comprehensively, systematically and deeply, and the credit risk is identified scientifically and effectively. It is very important to evaluate and prevent these credit risks for their survival and development. Firstly, this paper reviews the background of the establishment and development of micro-credit companies at home and abroad. Summarized and summarized the related theories and concepts of microfinance companies, and classified the credit risk of microfinance companies. Then. On the basis of comprehensive analysis of the management and development status and management characteristics of Rongxiang Microloan Company in Zhuanghe City Liaoning Province. From the perspective of "capital flow", this paper identifies and classifies the credit risk faced by Rongxiang Microloan Company in Zhuanghe City, Liaoning Province, and identifies operational risk, moral hazard, policy risk and legal risk. Environmental risk, market risk, credit risk, interest rate risk and liquidity risk are 9 types of credit risk, and the causes of each kind of credit risk are analyzed. The paper also uses analytic hierarchy process (AHP) to evaluate and sort all kinds of credit risks, which can be classified as A risk (important risk) according to its importance degree. B risk (secondary risk) and C type risk (general risk). Finally, according to the results of risk assessment, combined with the actual situation and existing conditions of Rongxiang small loan company in Zhuanghe City, Liaoning Province. This paper puts forward some countermeasures and suggestions to prevent and control all kinds of credit risks.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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