温州小额贷款公司发展过程中的客户信用风险问题研究【毕业】.docVIP

本科毕业论文（设计） 论文题目：温州小额贷款公司发展过程中的客户信 用风险问题研究 所在学院 专业班级 金融学 学生姓名 学号 指导教师 职称 完成日期 年 月 日 毕业论文独创性声明 本人郑重声明所提交的毕业论文是本人在指导教师的指导下 进行的研究工作及取得的研究成果。除文中特别加以标注的地方 外,论文中不包含他人己经发表的学术成果或者他人为获得高等院 校学位而使用过的材料，论文中不涉及任何知识产权纠纷。否则, 本人将承担一切责任。 学生签名： H 期： 随着经济环境的变化，小额贷款公司在大环境屮不断前进发展。现在小额 贷款公司已经不再是盲目追求高效率不注重风险的行业，现在如何降低风险已 经变得越来越重要，客户信用风险作为小额贷款公司经营中的主要风险，已经 对公司的发展起着越来越重要的影响！温州作为一个经济比较发达的地区，各 种中小企业遍地，贷款业务频繁；因此对温州地区的小额贷款公司进行研究， 是比较具有代表性意义的。 本文首先介绍了小额贷款公司的产生背景以及产生经过，简述温州小额贷 款公司的各种运营风险，寻求方法从机制和根本上解决温州小额贷款公司的客 户信用风险难控制的难题；最后通过总结国内外控制客户信用风险的办法，帮 助温州小额贷款公司提高对客户信用风险的控制能力，降低呆账坏账率，实现 公司的安定发展！ 关键词：小额信贷；信用风险；信贷保险；风险控制 Abstract Muhammad professor in the nineteen seventies start petty loan experiment And on this basis, in 1983 founded the Bangladesh country bank. Mainly engaged in the poor farmer microfinance services, through 30 years of successful operation, the Gram Bank has become the world fs largest, best benefit operation, the most successful small loans to financial institutions Through microfinance services to promote, solves many traditional lending institutions did not solve the problem. Chinas micro-credit insurance from the date of birth and n3 farming H closely linked Small credit insurance due to greatly reduce the bank and farmers risk Financing channels for farmers in the countryside, with great potential for development. Peasant household microfinance insurance from 2003 pilot since its introduction, has made certain achievements But because the rural economic base is poorer, lack of talents and the factors such as lack of insurance product innovation Small credit insurance in the development is still hard to popularize In order to protect the interests of farmers, to respond positively to the national support H3 farming n appeal, banks, insurance companies and government regulators in many aspects such as the need to work together, and actively promote micro-credit insurance, promote the development of rural financial. Keywords: Small credit risks; Credit insurance Risk control TO