青海信合小额贷款公司借款人信用评估指标体系改进研究.pdf

青海信合小额贷款公司借款人信用评估指标体系改进研究 中文摘要 随着我国金融市场的快速发展，小额信贷行业作为传统金融行业的有效补 充，试点以来取得迅猛发展，为依靠银行贷款难度较大的中小微企业提供了巨 大的资金支持。但由于小额贷款公司面临的主要客户群体多是个体工商户、中 小微企业、个人、农民，这些群体抵御风险的能力弱，由此产生的借款人信用 风险就成为了小额贷款公司面临的一个重要风险点，加强信用风险管理，正确 防控借款人信用风险的发生，是小额贷款公司需要克服的难题，也是小额贷款 公司持续健康发展的重要保障。 本文分析了青海信合小额贷款公司借款人信用评估工作存在的问题及原因， 运用文献资料概括法、实地调研法和专家访谈法重新设置了该公司的信用评估 指标体系，在专家调查问卷基础上，运用AHP 层次分析法软件，对信用评估指 标体系进行科学赋权，在得到信用评估指标赋权并通过一致性检验后，构建了 信合公司的客户信用风险评价计分表。最后对借款人进行了信用等级的划分， 优化了借款人的信用指标评价体系，并通过公司的实际业务案例对优化后的指 标体系进行了验证。为保证改进方案能够顺利实施，论文又分别从制度层面及 技术层面对借款人信用评估改进提出了保障措施。 本研究旨在提高青海信合小额贷款公司对借款人的信用风险管理水平，同 时为我国同类型的小额贷款公司构建借款人信用评估指标体系提供参考借鉴。 关键词：小额贷款公司；信用风险；信用评估指标体系；AHP 层次分析法 I RESEARCH ON THE IMPROVEMENTOF BORROWER’SCREDITEVALUATION INDEX SYSTEM OFQINGHAIXINHE MICRO-LOAN COMPANY Abstract With the rapid development of Chinas financial market, Chinas micro-loan industry has been boomed. Micro-loan companies have grown in full swing throughout the country, providing huge financial support for the development of small, medium and micro enterprises. However, since the main customer groups faced by small loan companies are mostly individual industrial and commercial households, small and medium-sized enterprises, individuals, and farmers who are weak in risk resistance, the resulting credit risk of borrowers has become a very important risk pointa faced by small loan companies. Strengthening credit risk management and properly preventing and controlling borrower credit risk are major difficulties that small loan companies need to overcome, and also an important guarantee for the sustainableandhealthy development of smallloan companies. This article analyzes the problems and reasons of the credit evaluation of the borrower of Qinghai XinheMicro-loan Company,andusesthe literaturereading and expert in