第五章防控小额贷款公司信用风险的法律措施 - 中国政法大学mba.docVIP

论文编号： 小额贷款公司信用风险的法律防控 ——以北京市小额贷款公司为样本 专业：民商法 研究方向：继承法 指导老师：戴孟勇 副教授 中国政法大学研究生院 二○一五年十月摘 要 关键词：小额贷款公司 信用风险 法律防控 内部控制ABSTRACT In recent years, the role of small loan companies more important, such as support for small business development, and promote employment. Its customers are mainly small and micro enterprises, rural enterprises and individual industrial and commercial households. The three areas forces in driving the “Mass Innovation,Peoples Venture”. However, most of them are facing financing expensive and difficult in this process. Therefore, it`s significant to study small loan companies, especially how to reduce its risk. Although small loan companies in China have developed more than ten years,but compared with foreign countries, still in the early stages; compared with other financial institutions, still facing greater risks. They want to survive and to achieve sustainable development must have a unique risk control methods. The current article discusses only a few from the legal point of view how the system to control the risk of small loan companies. This paper is selected more than 40 small loan companies as the survey sample in Beijing. After investigation and analysis of the credit risk of their existence, they bear the credit risk to master the situation. With SPSS to compare means and ANOVA to find out what factors make small loan companies have credit risk, these factors are the use of the loans, the ability to repay on time, the level of management of customer credit files, and internal control construction system. Then, we analyzed the reasons for the formation of these factors to through these analyzes, proposing legal measures. The structure and main content of this article. The first chapter describes the background, purpose, method and meaning, and an overview of domestic and foreign research status in detail. The second chapter defines the concept,and availability risks faced by microfinance company be carded in developmen