XY小额贷款公司全面风险管理研究
发布时间：2018-11-20 09:09
【摘要】：随着我国经济的不断发展,中小企业逐渐在经济发展中占据了不可忽视的地位。中小企业由于经营规模较小,抵抗风险能力较弱导致难以向银行进行募集资金以解决其在生产经营中所遇到的资金难题。然而近些年来出现的小额贷款公司恰恰解决了中小企业融资难的问题,随着小额贷款行业的快速发展,中小企业也能够有一定抗风险能力后,保存于民间的资本被逐渐释放出来。在小额贷款行业的爆发式成长之后,其增长速度逐步放缓,并开始出现了下滑趋势,这说明了目前小额贷款行业的发展存在着严峻的问题。小额贷款公司在其经营过程中由于风险控制不到位,放款后追踪管理不到位等原因,经常导致其无法收回贷款资金链断裂使其无法持续经营的现象。所以小额贷款公司运用一套合理的风险管理体系进而规避风险是十分必要的,而全面风险管理体系可以让小额贷款公司围绕其总体目标,通过在公司管理中的每个环节和经营过程中所执行风险管理的基本流程,养成良好的风险管理文化,建立完整的全面风险管理体系,使小额贷款行业得到健康成长。本文以XY小额贷款公司为案例,运用全面风险管理体系来为其解决其在风险管理过程中存在的问题。希望能通过论述小额贷款公司所处的宏观环境并结合XY小额贷款公司实际情况,明确XY小额贷款公司所面临的各种风险及其成因,通过运用全面风险管理体系对XY小额贷款公司风险管理问题进行优化来降低其风险,进而实现小额贷款行业的健康发展有利于解决中小企业融资难的问题,从而促进经济的健康发展。运用文献研究法、案例分析法、规范分析法对"小额贷款公司全面风险管理"的基础理论进行概述以及对全面风险管理相关理论进行分析,其具体包括全面风险管理具体流程和全面风险管理体系两部分。对XY小额贷款公司概况及其风险管理的实际状况进行描述与分析,发现XY小额贷款公司风险管理体系中存在的不足并为其构建全面风险管理体系,并希望通过外部发展环境支持与树立公司内部全面风险管理文化来保证全面风险管理体系的实施。本文研究的意义在于使小额贷款公司更好地进行风险控制;对小额贷款公司建立起自觉的风险管理意识十分有益;有利于探索民间金融发展的有效路径;能为政府对小额贷款公司开展有效监管提供借鉴。
[Abstract]:With the development of economy in our country, small and medium-sized enterprises (SMEs) occupy an important position in economic development. Because of the small scale of operation and the weak ability of resisting the risk, it is difficult for small and medium-sized enterprises to raise funds from banks in order to solve the fund problems they encounter in production and operation. However, in recent years, microfinance companies have precisely solved the problem of financing difficulties for small and medium-sized enterprises. With the rapid development of the microfinance industry, small and medium-sized enterprises can also have a certain ability to resist risks. Private capital was gradually released. After the explosive growth of the microfinance industry, its growth rate gradually slowed down, and began to show a downward trend, which shows that there are serious problems in the development of the microfinance industry. Owing to the lack of risk control and the lack of tracking management after lending, microfinance companies often lead to the phenomenon that they can not recover the loan fund chain break and make it unable to operate continuously. Therefore, it is necessary for microfinance companies to use a reasonable risk management system to avoid risks, and a comprehensive risk management system can enable microfinance companies to focus on their overall objectives. Through carrying out the basic process of risk management in every link and management process of the company, we can cultivate a good risk management culture, establish a complete comprehensive risk management system, and make the microfinance industry grow healthily. This paper takes XY Microloan Company as an example and uses the comprehensive risk management system to solve the problems in the process of risk management. It is hoped that by discussing the macro environment of microfinance companies and combining with the actual situation of XY microfinance companies, the risks faced by XY microfinance companies and their causes will be clarified. Through the use of comprehensive risk management system to optimize the risk management of XY microfinance companies to reduce the risk, and then realize the healthy development of the microfinance industry is conducive to solve the financing difficulties of small and medium-sized enterprises. To promote the healthy development of the economy. Using literature research, case analysis, normative analysis to summarize the basic theory of "comprehensive risk management of microfinance companies" and to analyze the related theories of overall risk management. It includes two parts: the specific process of comprehensive risk management and the comprehensive risk management system. This paper describes and analyzes the general situation of XY microfinance companies and the actual situation of risk management, finds out the shortcomings in the risk management system of XY microfinance companies and constructs a comprehensive risk management system for them. It is hoped that the implementation of the overall risk management system can be ensured through the support of the external development environment and the establishment of a comprehensive risk management culture within the company. The significance of this study is to make microfinance companies better carry out risk control, to establish a conscious awareness of risk management for microfinance companies, to explore the effective path of the development of private finance; For the government to carry out effective supervision of microfinance companies to provide reference.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39;F272.3
本文编号：2344493
[Abstract]:With the development of economy in our country, small and medium-sized enterprises (SMEs) occupy an important position in economic development. Because of the small scale of operation and the weak ability of resisting the risk, it is difficult for small and medium-sized enterprises to raise funds from banks in order to solve the fund problems they encounter in production and operation. However, in recent years, microfinance companies have precisely solved the problem of financing difficulties for small and medium-sized enterprises. With the rapid development of the microfinance industry, small and medium-sized enterprises can also have a certain ability to resist risks. Private capital was gradually released. After the explosive growth of the microfinance industry, its growth rate gradually slowed down, and began to show a downward trend, which shows that there are serious problems in the development of the microfinance industry. Owing to the lack of risk control and the lack of tracking management after lending, microfinance companies often lead to the phenomenon that they can not recover the loan fund chain break and make it unable to operate continuously. Therefore, it is necessary for microfinance companies to use a reasonable risk management system to avoid risks, and a comprehensive risk management system can enable microfinance companies to focus on their overall objectives. Through carrying out the basic process of risk management in every link and management process of the company, we can cultivate a good risk management culture, establish a complete comprehensive risk management system, and make the microfinance industry grow healthily. This paper takes XY Microloan Company as an example and uses the comprehensive risk management system to solve the problems in the process of risk management. It is hoped that by discussing the macro environment of microfinance companies and combining with the actual situation of XY microfinance companies, the risks faced by XY microfinance companies and their causes will be clarified. Through the use of comprehensive risk management system to optimize the risk management of XY microfinance companies to reduce the risk, and then realize the healthy development of the microfinance industry is conducive to solve the financing difficulties of small and medium-sized enterprises. To promote the healthy development of the economy. Using literature research, case analysis, normative analysis to summarize the basic theory of "comprehensive risk management of microfinance companies" and to analyze the related theories of overall risk management. It includes two parts: the specific process of comprehensive risk management and the comprehensive risk management system. This paper describes and analyzes the general situation of XY microfinance companies and the actual situation of risk management, finds out the shortcomings in the risk management system of XY microfinance companies and constructs a comprehensive risk management system for them. It is hoped that the implementation of the overall risk management system can be ensured through the support of the external development environment and the establishment of a comprehensive risk management culture within the company. The significance of this study is to make microfinance companies better carry out risk control, to establish a conscious awareness of risk management for microfinance companies, to explore the effective path of the development of private finance; For the government to carry out effective supervision of microfinance companies to provide reference.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39;F272.3
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