中信小额贷款公司信贷风险管理研究

发布时间：2018-05-24 06:59

本文选题：小额贷款 + 信贷　；参考：《沈阳工业大学》2013年硕士论文

【摘要】：信贷业务是小额贷款公司的核心业务，信贷风险是小额贷款公司面临的主要风险。小额贷款公司实现可持续发展的关键在于如何提高信贷风险管理，提高信贷风险管理能力和管理水平。小额贷款公司从其诞生就受到了社会高度的关注。扶持小额贷款公司，除了惠及广大农户、中小企业和个体工商户之外，还可以在一定程度上完善金融行业的结构空白，替代不正规的民间借贷市场。促进社会经济体健康发展。小额贷款公司只贷款不存款、贷款额度的微小、单一性和领域专业人士的稀缺性等原因，使其在具体经营和运作上面临诸多信贷风险。本文以小额信贷风险管理理论作为出发点，论述了小额贷款公司信贷风险管理流程和信贷风险的分类，针对中信小额贷款公司进行综合性的案例分析，结合中信小额贷款公司的经营实际，对中信小额贷款公司的出资情况、资金运用情况、信贷风险管理流程进行了系统的分析和梳理。由于中信小额贷款公司正处于发展初期，许多运营和管理方面的问题还尚未显露。但是贷款客户的特殊性，贷款结构的不合理，三查制度的不规范、内部控制制度的不完整，，已经在一定程度上反映出它的信贷风险管理存在的问题，针对中信小额贷款公司信贷风险管理存在的问题，采用调查问卷法选择信贷风险指标，运用层次分析法构造层次结构模型，建立判断矩阵，进行单层一次性检验，最后确定权重，再次运用问卷调查法算出风险评价值。对风险评价值较大的信用风险和操作风险指标提出相应的解决对策，严格按照规定执行三查制度。完善企业内部控制体系，建立一个完整的客户评价体系，建立健全的授信管理体系。将定量和定性充分结合，为小额贷款公司信贷风险的控制提供科学的依据和正确的方向。
[Abstract]:Credit is the core business of microfinance companies, and credit risk is the main risk faced by microfinance companies. The key to realize the sustainable development of microfinance companies lies in how to improve the credit risk management, improve the ability and management level of credit risk management. From its birth, microfinance companies have been highly concerned by the society. In addition to benefiting farmers, small and medium-sized enterprises and individual industrial and commercial households, we can improve the structure of the financial industry to a certain extent and replace the informal lending market. Promote the healthy development of social economy. The small loan company only does not have the deposit, the loan quota is small, the singularity and the domain professional person is scarce, causes it to face many credit risks in the concrete management and the operation. Based on the micro-credit risk management theory, this paper discusses the credit risk management process and the classification of credit risk of micro-credit companies, and makes a comprehensive case study on CITIC micro-credit companies. Combined with the operating practice of CITIC Microloan Company, the paper systematically analyzes and combs the investment situation, capital utilization and credit risk management process of CITIC Microloan Company. As Citic Microfinance is in its infancy, many operational and management problems have yet to be revealed. However, the particularity of the loan customers, the unreasonable structure of the loan, the non-standardization of the three-check system, and the incomplete internal control system have to some extent reflected the problems existing in its credit risk management. Aiming at the problems existing in credit risk management of CITIC Microloan Company, the credit risk index is selected by questionnaire, the AHP is used to construct the hierarchy structure model, the judgment matrix is established, and the single-layer one-off test is carried out. Finally determine the weight, and then use the questionnaire method to calculate the value of risk evaluation. This paper puts forward the corresponding countermeasures to the credit risk and operational risk index with higher risk evaluation value, and carries out the three-check system strictly according to the regulations. Perfect enterprise internal control system, establish a complete customer evaluation system, establish a sound credit management system. The quantitative and qualitative analysis are combined to provide scientific basis and correct direction for the credit risk control of microfinance companies.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39;F832.4

【参考文献】