浙江小额贷款公司财务风险控制研究（已处理） .doc

浙江小额贷款公司财务风险控制研究毕业论文 授权声明 学校有权保留送交论文(设计)的原件,允许论文(设计)被查阅和借阅,学校可以公布论文(设计)的全部或部分内容,可以影印、缩印或其他复制手段保存论文(设计),学校必须严格按照授权对论文(设计)进行处理不得超越授权对论文(设计)进行任意处置。 论文(设计)作者签名: 签名日期:年月 日 摘 要:小额贷款公司是介于正规金融机构与民间借贷资本之间的一种尝试,这种融资创新,打破了金融机构统揽信贷的现有格局,有助于进一步推进金融创新的步伐。作为首个开展试点的省份,浙江已经全面展开了小额贷款公司的试点。但由于小额贷款公司特殊的机构性质,以及一些民营资本重盈利、轻风险的特点,使小额贷款公司在发展过程中存在一些问题,最为突出的是财务风险管理问题。如何加强财务风险控制,促其稳健经营,对促进小额贷款公司在业务上改进,乃至对小额贷款公司试点的成功与否显得尤为重要。 本文通过对浙江小额贷款公司的发展现状的阐述,分析了浙江小额贷款公司经营中存在的问题及财务风险的表现形式,在此基础上提出浙江小额贷款公司财务风险的防范措施,小额贷款公司风险控制力的创新型路径??信用评估体系、内部风险控制机制、担保抵押机制等方面,以期为浙江小额贷款公司的长远发展,提供有价值的建议。 关键词:浙江;小额贷款公司;财务风险;控制 Abstract:A microfinance company is a financing innovation tried between standard financial institution and popular loaned capital. It has broken down the pattern in which financial institution controls the credit and is helpful to promote financing innovation. Being the initial province of starting pilot project, Zhejiang has established experimental units on all sides. During the developing process, there are some problems existing in microfinance companies because of the companies special character of institution. Among the problems, financial risk management is the most striking one. The way to strengthen financial risk management thus to promote its prudent operation is very important to improve microfinance companies business and to help establish experimental units successfully This thesis explains the current development status among microfinance companies in Zhejiang province, analyzing the existing problems during the companies operating process and the form of financial risk. On this basis, this thesis puts forward precautionary measures for the financial risk in Zhejiang microfinance companies as well as a creative path which improves the microfinance companies risk control capability, focusing on the establishment of credit evaluat