小额贷款公司信用风险管理研究——以深圳A小额贷款公司为例.docVIP

小额贷款公司信用风险管理研究——以深圳A小额贷款公司为例 暨南大学 MPAcc 学位论文:小额贷款公司信用风险管理研究 中文 摘要 为了更好的利用民间资本、解决三农和中小企业的贷款难问题,我国于2005 年开展了小额贷款公司的试点工作,经过这几年的不断发展,小额贷款公司在我 国发展迅速,但同时,随着我国经济发展形势变化迅速,大型金融机构以及外资 小额贷款公司加入竞争,小额贷款公司在拓展业务的同时必须不断高风险管理 水平,才能在行业中站稳阵脚,而在小额贷款公司的各类风险中,信用风险的管 理昀为重要 。 深圳的小额贷款公司的信用风险管理有其行业普遍性和区域特殊性。本文通 过对小额贷款公司的信用风险成因和信用风险特点的分析,研究适合小额贷款公 司的贷前贷后信用风险管理手段。以深圳 A 小额贷款公司为研究对象,对其信 用风险管理制度手段进行分析,首先,分析深圳 A 小额贷款公司的信用风险管 理相对于其他同业者的优势,然后,再通过实地调查、流程观察和访问分析 A 小额贷款公司信用风险管理的不足,对这些不足出建议,特别是对其贷前调查、 贷后客户分级管理和贷后风险预警系统进行改良,根据 A 小额贷款公司的经营 特点为其设计贷前调查制度、贷后客户分级管理制度和贷后风险预警系统。昀 后, 对本案例做总结。 关键词 :小额贷款,信用风险,风险管理 I暨南大学 MPAcc 学位论文:小额贷款公司信用风险管理研究 Abstract To better use private capitals and solve the loan problems of small companies, Chinese government started admissions of micro-credit companies. In these years micro-credit companies had a great development but at the same time many large financing institutions and foreign micro-credit companies joined the competitionUnder this huge competition, micro-credit companies must keep increasing level of managing risk while extend the business. During all kinds of risks in micro-credit companies, management of credit risk is one of the most important factors Micro-credit companies in Shenzhen have a great potential and deserve a deep research. In this paper, management methods research of credit risk is based on the analysis of the cause of credit risk and credit risk characteristic. Micro-credit Company-A would be a research target example. First, advantages Company-A has to compete with rivals are important. Second, shortages in managing credit risk of Company-A also play an important role in the competition. Last but not least, suggestions would be make to Company-A based on its shortages, especially its credit investigation, differential level system after loan and its risk alarm system after loanFinally,I will summarize the case and draw to conclusions Key Words: Micro-credit, credit risk, risk management II暨南大学 MPAcc 学位论文:小额