安徽农村小额贷款公司风险与对策探析

发布时间：2018-02-26 01:18

本文关键词： 安徽省小额贷款公司风险　出处：《安徽农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：农村小额贷款的产生是一种具有革命性意义的金融创新。起初,这种金融服务机构是以扶助贫困、促进农村经济发展为宗旨。或者更具体的说,它的出现,弥补了传统商业银行和农村村镇银行及农村信用合作社在农村金融服务方面的空白,即一些被其它金融机构排除在外的低收入群体。本文以安徽省农村小额贷款公司作为研究对象,并且实地考察了十几家小额贷款公司实际情况,发现这些公司都面临着独特的地域性的风险。鉴于此,如何化解和规避安徽省内的小额贷款公司的风险成为了亟待解决的问题。本文研究的主要内容主要包括以下几个方面：第一,综述了国内外关于农村小额贷款公司及风险管理的研究现状,发现现有的研究成果对小额贷款公司的风险类别的界定存在很大的分歧,没有实际可操作的用于度量潜在风险的指标体系,并且大多集中于宏观层面的研究,对微观某省的研究较少。第二,分析了安徽省内小额贷款公司贷款期限、贷款结构、需求与供给情况,总结省内小额贷款公司的现状及其存在的问题及风险,以便为后一部分的风险分析奠定基础。第三,分别从内外部两个层次分析了潜在的风险,内部方面包括员工知识体系的更新、内部风险的控制、资金流动的风险、违规风险和经营战略的风险,外部则包括税务负担、监管风险、政策法律风险以及其他外部不可控风险。最后,是本文的结论、局限性和展望。结合以上的分析,笔者创造性的提出了降低风险和防范风险的可操作性建议,以期为安徽省的小额贷款公司健康发展贡献力量,包括：提供政策支持环境,加强内部监控,招募风控人才,标准化风险评级量表,稳扎稳打切忌盲目扩张等。
[Abstract]:The emergence of rural microfinance is a revolutionary financial innovation. At first, the purpose of this kind of financial service institutions was to help the poor and promote the development of the rural economy. Or, more specifically, it appeared. It has made up for the gap in rural financial services between traditional commercial banks, rural village banks and rural credit cooperatives. That is, some low-income groups excluded by other financial institutions. This paper takes the rural microfinance companies in Anhui Province as the research object, and investigates the actual situation of more than a dozen microfinance companies on the spot. To discover that these companies are exposed to unique regional risks. How to resolve and avoid the risks of microfinance companies in Anhui Province has become an urgent problem. The main contents of this paper include the following aspects: first, This paper summarizes the current situation of research on rural microfinance companies and risk management at home and abroad, and finds that the existing research results have great differences on the definition of risk categories of micro-credit companies. There is no practical operational index system to measure potential risk, and most of them focus on macro level research, but there is little research on micro province. Secondly, the paper analyzes the loan term and loan structure of micro-loan companies in Anhui Province. In order to lay a foundation for the risk analysis of the latter part, the paper analyzes the potential risks from the internal and external levels, respectively, in the light of the demand and supply situation, and summarizes the current situation and the existing problems and risks of the micro-credit companies in the province, in order to lay a foundation for the risk analysis in the latter part. The internal aspects include the updating of the employee's knowledge system, the control of internal risk, the risk of capital flow, the risk of violation and the risk of management strategy, while the external aspects include tax burden, supervision risk, Finally, it is the conclusion, limitation and prospect of this paper. Combined with the above analysis, the author creatively puts forward some feasible suggestions to reduce risk and prevent risk. In order to contribute to the healthy development of small loan companies in Anhui Province, including: to provide policy support environment, strengthen internal monitoring, recruitment risk control talent, standardized risk rating scale, steady against blind expansion.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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