我国小额贷款公司风险预警体系研究

发布时间：2018-05-20 12:23

本文选题：小额贷款公司 + 风险预警　；参考：《安徽财经大学》2013年硕士论文

【摘要】：小额贷款公司作为微型金融体系的一个重要组成部分,在我国的经济运行中发挥着不可忽视的作用。它既能丰富“三农”金融产品和服务,促进新农村建设,又为我国中小微企业的发展提供了有力的资金支持,弥补了我国商业银行金融服务的空白。但是,由于目前我国小额贷款公司还处于探索阶段,法律法规、市场机制、监管主体等方面还不健全,小额贷款公司在运营过程中存在着诸多的风险,如果不及时加以控制,不仅会成为困扰小额贷款公司进一步发展的瓶颈,甚至将会对我国经济健康运行产生不利的影响。因此建立一套科学系统的小额贷款公司风险预警体系是非常有必要的。小额贷款公司风险预警体系研究,是通过科学的方法选择合理的预警指标,然后进行风险预警模型的实证分析,最终建立起符合我国小额贷款公司发展需要和其现实情况的风险预警体系。本文立足于我国小额贷款公司现状,在对其风险状况的分析的基础上运用层次分析、功效系数等方法,建立了我国小额贷款公司风险预警模型,再以某小额贷款公司作为实证案例,验证预警模型的有效性,结果表明,模型预测结果与样本小额贷款公司的实际情况基本相符,所以可以认为本文得到的小额贷款公司风险预警模型具有一定的实用价值。
[Abstract]:As an important part of the micro-finance system, microfinance companies play an important role in the economic operation of our country. It can not only enrich the financial products and services of "agriculture, countryside and farmers", promote the construction of new countryside, but also provide powerful capital support for the development of small and medium-sized enterprises in China, and make up the blank of financial services of commercial banks in our country. However, due to the fact that the microfinance companies in our country are still in the exploratory stage, the laws and regulations, the market mechanism, the main body of supervision and so on are not perfect, there are many risks in the course of operation of the microfinance companies, if they are not controlled in time, It will not only become the bottleneck of the further development of microfinance companies, but also will have a negative impact on the healthy operation of our economy. Therefore, it is necessary to establish a set of scientific system of micro-credit company risk warning system. The research on risk early warning system of microfinance company is to select reasonable early warning index through scientific method, and then carry on the empirical analysis of risk early warning model. Finally, a risk early warning system is established to meet the needs of the development of microfinance companies in China and their actual situation. Based on the present situation of micro-credit companies in China, this paper establishes a risk warning model of micro-credit companies in China by using the methods of hierarchical analysis and efficiency coefficient, based on the analysis of their risk status. The validity of the early warning model is verified by an empirical case of a microfinance company. The results show that the prediction result of the model is basically consistent with the actual situation of the sample microfinance company. Therefore, it can be considered that the risk early warning model of micro-loan company has certain practical value.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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