小额信贷公司的风险管理.docxVIP

摘要 小额信贷业务因通过向非正式途径向微型和小型企业、贫困者或贫困者家庭提供融 资服务，扩大这些群体的选择范围，提高生产性投资，从而增加这些群体的收入和 就业机会，近几年得到了迅猛的发展。但因信贷体制、企业内部制度、从业人员素质 等方面因素使其在发展过程中遇到了很多风险。如何进行风险管理是小额信贷公司 当前面临的亟待解决的问题。 木文旨在通过对小额信贷公司的风险管理屮存在的问题的探讨，总结出风险管 理中影响风险的量度、评估的环境和因索，并针对影响因索提出规避风险的相关建 议和应变策略，希望为小额信贷公司的风险管理提供一定的参考。 关键词：小额信贷；风险管理；信贷风险 Abstract Microfinance for through to the informal way to micro and small enterprises, the poor, or poor families to provide financing services, expand the scope of the choice of these groups, improve productive investment, so as to increase the income of these groups and job opportunities, obtained the swift and violent development in recent years. But because of the credit system, the enterprise internal system, personnel quality factors in the development process of met a lot of risk. How to conduct risk management is the microfinance companies facing problems to be solved. This paper aims to microfinance companies risk management problems that exist in the discussion, summed up the risk management of the environment and influence factors of risk measure, evaluation, risk aversion related Suggestions are put forward based on factors affecting and strain strategy, hope for microfinance risk management to provide certain reference for the company. Key words:microfinance; risk management; financing 目录 TOC \o 1-5 \h \z HYPERLINK \l bookmark6 \o Current Document 1引言 1 HYPERLINK \l bookmark8 \o Current Document 2相关理论综述 2 HYPERLINK \l bookmark10 \o Current Document 1小额信贷 2 HYPERLINK \l bookmark12 \o Current Document 2.2风险管理 2 HYPERLINK \l bookmark14 \o Current Document 3小额信贷的发展现状 4 HYPERLINK \l bookmark16 \o Current Document 3.1国内小额信贷企业的发展现状 4 HYPERLINK \l bookmark18 \o Current Document 2国外小额信贷企业的发展现状 4 HYPERLINK \l bookmark20 \o Current Document 4影响小额信贷风险管理的因素及存在的问题 6 HYPERLINK \l bookmark22 \o Current Document 1影响因素 6 4. 1. 1社会因素 6 4. 1.2企业因索 6 4. 1.3借款人因素 6 HYPERLINK \l bookmark24 \o Current Document 4.2存在的问题 7 4. 2. 1内部制度设计存在缺陷 7 4. 2.2内部信用评测机制不完善，监察制度不健全 7 4. 2.3信贷人员业务能力低