小额贷款公司贷款风险管理分析.docVIP

内容彳商要：本文从小额贷款公司贷款风险管理的角度，总结小额贷款公司 风险管理的现状并分析目前小额贷款公司贷款风险的特点与成因，提出加强小额 贷款公司贷款风险管理的一些措施，分析我国小额贷款公司在实际操作中应用贷 款联保机制的适用性。现阶段小额贷款公司的风险管理方法有其合理性，但还是 存在着贷前调查不尽职、贷后管理效率低下，财务数据缺失等问题。对于这些问 题，本文提出了一些针对性的措施，例如建立与业务特点相符的审批流程、创新 贷款业务等。贷款联保机制作为国外小额贷款公司风险管理的典型方法，虽然有 很多优点，但也存在一些问题，分析表明：贷款联保机制降低了贷款风险、解决 了贷款对象担保难问题，减少了小额贷款的管理成本，同时具有社会惩处效应不 大、联保小组合谋骗贷、监督成本等问题，这说明贷款联保机制在国内的适用性 比较有限，需要加以改进，例如，合理确定贷款担保额度，以使贷款担保机制适 用于我国，提高抵御小额贷款公司贷款风险的能力。 关健字：小额贷款公司贷款风险风险管理贷款联保机制 Abstract： From the current situation microfinance loan risk management perspective，summed microfinance company risk management and analysis of current credit risk characteristics of small loan companies and causes, some of the measures proposed to strengthen microfinance loan risk management, analysis of applicability of the loan application microfinance company loan guarantee mechanism in practice . Stage microfinance risk management methods are reasonable, but still there is no due diligence investigation prior to the loan，the lower the efficiency of post-loan management，lack of financial data and other issues . For these problems，we propose a number of targeted measures, such as the establishment of operational characteristics consistent with the approval process，innovative lending business. Loans guarantee mechanism as a typical method of risk management microfinance companies abroad , although there are a lot of advantages, but there are some problems , the analysis shows : Loans guarantee mechanism reduces the risk of loans , guarantees to solve the difficult problem of borrowers , reducing the small the amount of the loan management costs , while having little effect social punishment, loan guarantee team conspired Piandai, monitoring costs and other issues, which shows the applicability of the loan mechanism loan guarantee in the country is limited, need to be improved , for example , loan guarantees reasonable assurance limits, so that the loan guarantee mechanism applies to our country , to improve the ability to withstan