高科小额贷款公司信贷风险管理研究

发布时间：2018-03-06 22:09

本文选题：小额贷款公司　切入点：信贷风险　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：摘要：自2005年中国部分地区试点小额贷款公司以来,小额贷款公司如雨后春笋般相继开业。高科小额贷款公司是长沙市首批获得小额贷款试点资格的公司之一,要想在激烈的市场竞争中始终保持持续发展的态势,该公司的首要任务就是要稳健经营。稳健经营的根本就是风险管理。因此,如何做好贷款风险管理,成为高科等小额贷款公司急需解决的问题。本文以信贷风险管理理论为基础,对高科小额贷款公司的信贷风险管理现状进行分析。论文整体遵循“提出问题—分析问题—解决问题”的思路。首先,论文从信贷风险管理组织架构、信贷风险管理制度与基础建设、信贷风险管理流程、信贷风险管理方法方面查找问题。其次,对这些问题背后的原因进行了深入分析,认为主要原因为内部风险控制意识薄弱、风险评估技术缺乏、管理与技术人才不足、信息沟通不顺畅、内部监督与检测机制缺失等。论文最后提出了建立信贷风险管理体系的思路,分别从信贷风险管理组织架构体系、信贷风险管理制度体系、信贷风险管理流程体系进行设计。为了能够使所提思路得到有效实施,论文提出了改进高科小额贷款公司信贷风险管理的措施,主要包括加强增强信贷风险管理意识、进行全面制度体系建设、加强调查审查专业化建设、建立内部监督与检测机制、加强责任追究、优化组织结构等。
[Abstract]:Abstract: since the pilot microfinance companies in some regions of China began to open in 2005, micro-credit companies have been springing up one after another. High-tech microfinance companies are one of the first companies in Changsha to obtain the pilot qualification for small loans. In order to keep the situation of sustainable development in the fierce market competition, the first task of the company is to manage steadily. Become high-tech and other small loan companies urgently need to solve the problem. Based on the theory of credit risk management, this paper analyzes the present situation of credit risk management in high-tech microfinance companies. The paper looks for the problems from the aspects of credit risk management organization structure, credit risk management system and infrastructure, credit risk management process, credit risk management methods. Secondly, the reasons behind these problems are deeply analyzed. The main reasons are that the internal risk control consciousness is weak, the risk assessment technology is lacking, the management and technical personnel are insufficient, and the communication of information is not smooth. Finally, the paper puts forward the idea of establishing the credit risk management system, respectively from the credit risk management organizational structure system, the credit risk management system system, The credit risk management process system is designed. In order to carry out the proposed ideas effectively, the paper puts forward some measures to improve the credit risk management of high-tech micro-credit companies, including strengthening the awareness of credit risk management. Carry on the overall system construction, strengthen the specialized construction of investigation and examination, establish the internal supervision and inspection mechanism, strengthen the responsibility investigation, optimize the organization structure, etc.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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