浅析小额贷款公司的风险和风险管理.docVIP

题目：浅析小额贷款公司的风险和风险管 理 浅析小额贷款公司的风睑和风睑管理 】上世纪70年代，经济学家YUNUS开始倡导和实践主要服务贫困群体、帮助其脱离贫 W的小额贷款模式，并成功创立了孟加拉乡村银行。2005年10月，屮国人民银行正式选择 山丙、四川、内蒙古、贵州、陕两五省（区）开展小额贷款公司设立试点。2008年5月，中 U银监会、屮W人民银行联合下发的《关于小额贷款公句试点的指导意见》，自此，小额贷款 公司试点迅速在全铺开。小额贷款公司做为我同一个新生事物，其发展过程中最为突出的 问题是风险和风险管理，如何加强风险管理，促其稳健经营，是小额贷款公司面临的重人挑 战。木文从小额贷款公司成立的宏观背景，风险管理的价值与意义，面临的主要风险，以及 由此应采取的风险管控措施来论述。 Brief Analysis of Risks Faced by Microfinance Companies and Risk Management [Abstract] In the 1970s, Yunus, a Bangladeshi economist, started to develop and promote the concept of microfinance which involves giving loans to entrepreneurs too poor to qualify for traditional bank loans and helps them break out of the poverty cycle. He successfully founded the Grameen Bank, meaning village bank ， in Bangladesh. In October 2005, the People’ s Bank of China initiated a pilot programme in five provinces, namely, Shanxi, Sichuan, Inner Mongolia, Guizhou and Shaanxi province, to establish microfinance companies. Since the proposal of Guiding Opinions of the China Banking Regulatory Commission and the People s Bank of China on Trial Run of Micro finance Companies in May 2008，microfinance companies have prospered in China. The most serious problem faced by microfinance companies, as newborn things in China, is credit risk. How to enhance risk management so as to develop steadily are challenges faced by microfinance companies. This essay aims to evaluate the macro-environment, value of risk management and major risks faced by microfinance companies as well as to discuss the respective risk management measures taken. [Keyword] microfinance risk risk management 目录 TOC \o 1-5 \h \z 弓It 1 HYPERLINK \l bookmark6 \o Current Document \h 一、 小额贷款公司成立的宏观背景 1 HYPERLINK \l bookmark7 \o Current Document \h 二、 小额贷款公司风险管理的价值与意义 2 HYPERLINK \l bookmark8 \o Current Document \h 三、 小额贷款公司的主要风险 2 HYPERLINK \l bookmark9 \o Current Document \h （-）小额贷款公司迚反刑法的禁止性规定和迚反监管政策或相关行政法规 2 HYPERLINK \l bookmark10 \o Current Document \h （二） 选择错误的贷款对象 2 HYPERLINK