小额贷款公司的信用风险与其控制研究.docVIP

小额贷款公司的信用风险及其控制研究 摘要：随着经济的发展和金融机构的完善，现在市场上许多小额贷款公司应运而生，它不仅是一种金融产品创新，更是一种使农户走上富裕道路的催化剂。它不仅能满足广大农户小额贷款需求、也增加农户收入，逐渐被人们所重视。本文首先从关系型借贷理论、信用评价、我国征信体系等理论基础出发，阐述小额贷款公司的风险构成、信用风险产生的原因及控制措施通过分析小额贷款公司信用风险的特殊性及其成因，指出在现行政策规定的范围内，小额贷款公司面临的最大风险是来自于客户自身违约的信用风险。从分析小额贷款公司、商业银行和新型农村金融机构的共性和差异性进行研究，从而形成小额贷款公司信用风险的基本框架。在此基础上，就完善我国小额贷款公司的信用风险控制提出优化措施。 关键词：小额贷款公司；信用风险；风险控制 Abstract With the development of economy and the improvement of the financial institutions, many small loans company arises at the historic moment in the market now, it is not only a kind of financial product innovation, but also a rich farmers took to the road of the catalyst.It can not only meet the demand of the broad masses of farmers small loans, and increase farmers income, is paid great attention by people gradually.This article first from the theory of relational lending, credit evaluation, on the basis of theory of credit system in our country, expounds the risk of small loan companies constitute, the causes of credit risk and control measures by analyzing the particularity of petty loan company, credit risk and its causes, points out that in the current policies, within the prescribed scope of small loan company is the biggest risk to their own credit risk of default from the customer.From the analysis of small loan companies, commercial Banks and to study the commonness and difference of the new type of rural financial institutions, to form the basic framework of micro-credit company credit risk.On this basis, consummates our country small loan companys credit risk control optimization measures are put forward. Key words: small loan companies; Credit risk; Risk control 引言 在我国90年代初期，小额信贷模式被成功的从孟加拉国引入中国，通过在我国农村实践和推广一定程度上解决了我国农村地区农民的融资难、借贷难问题，对“三农”问题在我国经济持续增长和突破阶段的资金问题也有了一定的解决。2002年全国农村信用社推行农户小额信贷业务，第二年又开始了新一轮的制度改革。本文将主要采取定量分析和定性分析两种方法相结合的形式来研究主题，分析存在的问题，提出解决建议。研究内容为：第一章主要通过相关理论作铺垫，运用国内外文献作研究方法；第二章首先通过比较分析法，分析国内外小额信贷风险控制的模式和技术。借鉴国外小额信贷风险管理比较成熟的经验，为我国小额贷款公司的信用风险控制体系提供借鉴依据；其次分析目前我国小额贷款公司的信用风险现状及原因，采用探索性研究