武汉C小额贷款公司信用风险管理研究

发布时间：2018-04-16 01:07

本文选题：小额贷款公司 + 信用风险　；参考：《武汉工程大学》2014年硕士论文

【摘要】：根据小根据小额信贷的农村金融体系的改革和发展现状，中国政府逐步探索形式，，符合国情的小额贷款公司,希望通过小额贷款公司的建立可以弥补我国金融市场的不足，向各种面临着经济困难和融资论难的小企业或农户提供资金支持。小额贷款公司的建立还可以吸收社会剩余劳动力，解决就业问题，同时收窄富人与穷人，城市与农村之间的差距，以促进经济发展。2005年10月，中国人民银行在五个省份和地区推出小额贷款公司服务项目。在此之后，小额贷款公司在中国的不同地区蓬勃发展，其中许多公司已经可以作为我国金融服务的重要后备储存能量。截至贰零壹贰年底，全国范围内小额贷款公司的总量已经达到一定水平，达到6080家，上升了48.78%。我国的小额贷款金额达592.138百万人民币，增长了51.24%.小额贷款公司为很多经济困难的经济主体解决了资金问题，为中小企业和农业的发展做出了贡献。本文以武汉C小额贷款公司研究对象，介绍了武汉C小额贷款公司的信用风险现状，观察其经营的资产情况、贷款组合情况、贷款资产质量，从中分析，找出了发生信用风险在于经营时间短、担保措施以保证为主、对外融资有限、资本金影响业务量、内部管理流程不规范等成因，分析该公司的信用风险存在业务流程不规范、员工素质不高、可供融资渠道狭窄、贷款担保能力较弱的问题，并以此，针对这些问题提出来相应的控制措施的建议，为其公司的信用风险相关防范与控制的措施提供参考。论文第一章绪论提出论文的写作内容、思路及方法；第二章介绍了信用风险的内涵、特征和相关的研究，以及在小额贷款行业中信用风险的界定和特点；第三章对我国小额贷款行业的发展历程和概况进行阐述，并对湖北省的小额贷款行业现状进行分析，归纳出其表现的特点；第四章、第五章分析武汉C小额贷款公司目前的经营现状、信用风险控制现状，找出形成信用风险的成因及问题；第六章、第七章基于成因及问题提出解决对策和建议，提高武汉C小额贷款公司信用风险防范能力，最终总结全文内容得出结论。结论反映出小额贷款公司是适应我国社会进步和经济体制变化而产生的，一种具有创新意义的组织。相较于银行传统的“有存有贷”的商业模式，小额贷款公司的“只贷不存”的商业模式，算是一种“特立独行”的进步。有专家就曾今指出，之所以穷人越穷富人越富，那是因为穷人把自己赚的钱都存在银行贬值，而富人却是向银行借钱赚更多的钱。虽然这句话只是口头上的评论，不是什么正规的言论和思想理论，但是在一定的程度上还是讲出了现在穷人的处境，穷人很难在银行贷到大额的资金。不过小额贷款公司就不一样，它的出现一定程度的解决了这一问题，它对于缩小贫困差距还是有很大的贡献。首先，小额贷款公司能更合理的运用民间的闲散资本；其次贷款的门槛降低可以有效的刺激普通老百姓创业，提高就业率；最后小额贷款公司能够给微小型企业提供资金，增加微小型企业的存活几率，促进我国经济的发展。
[Abstract]:According to according to the reform and development of the status of microfinance in rural financial system, the government China gradually explore the form, meet the conditions of the small loan company, hope that through the establishment of small loan companies can make up for lack of financial market in our country, to facing economic difficulties and difficult financing of small businesses or households provide funds to support the establishment of small. Loan companies can also absorb social surplus labor, solve the employment problem, and narrowing of the rich and the poor, the gap between city and countryside, promote economic development by.2005 in October, the people's Bank of China launched services of small loan companies in five provinces and regions. After this, the vigorous development of microfinance companies in different regions of the China among them, many companies have already can be used as an important reserve of China's financial services as Erlingyier energy. At the end of the year, nationwide The total amount of small loan company has reached a certain level, reached 6080, up 48.78%. of China's small loan amount of 592 million 138 thousand yuan, an increase of 51.24%. small loan companies for many economic difficulties of the economic subject to solve the funding problem, make a contribution for the development of small and medium-sized enterprises and agriculture.
In this paper, the research object of Wuhan C microfinance company, introduces the credit risk status of Wuhan C microfinance company, observe the assets of its business portfolio of loans, loan asset quality, from the analysis, find out the credit risk management in the short time, security measures to ensure that the main external financing, LIMITED capital effect the volume of business, internal management process is not standardized in existing non-standard business processes of the company's credit risk analysis, the quality of staff is not high, and the narrow channels of financing, loan guarantee ability is weak, and in order to solve these problems put forward the corresponding control measures proposed to provide a reference for the company's credit risk the relevant prevention and control measures. Writing the content of Chapter 1 is the introduction which puts forward the ideas and methods; the second chapter introduces the connotation of credit risk, characteristics and related research, The definition and characteristics of risk and in the microfinance industry in credit; the third chapter overview of the industry and the development of microfinance in China is expounded, and the present situation of Hubei province microfinance industry analysis, summed up its features; the fourth chapter, the fifth chapter analyzes the operation status of Wuhan C microfinance company at present. The credit risk control situation, find out the problems and the causes of formation of credit risk; the sixth chapter, the seventh chapter based on the causes and puts forward some countermeasures and suggestions to improve the C, Wuhan small loan companies, credit risk prevention capacity, finally summarizes the full content of the conclusion.
The conclusion reflects the small loan company is to produce social progress and changes in the economic system of our country, an innovative organization. Compared to the traditional bank "being the loan" business model, small loan companies only "credit" business model, is a kind of "personal independence of conduct" progress. Some experts have pointed out that the reason why the poor poorer and the rich richer, it is because the poor themselves all the money the bank devalued, and the rich is to borrow from the bank to earn more money. Although this sentence is only verbal comments, not formal speech and thought theory, but in to some extent, or speak out now the plight of the poor, the poor is difficult to large sums of money in the bank loan. But small loan company is not the same, it appears to some extent to solve this problem, it is to narrow the gap of poverty There are still a great contribution. First of all, small loan companies can more reasonable use of civil idle capital; secondly loans to lower the threshold of ordinary people can effectively stimulate entrepreneurship, improve the employment rate; finally, small loan companies can provide funds to small businesses with increased probability of micro and small enterprises to survive, to promote the development of China the economy.

【学位授予单位】：武汉工程大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】