小额贷款公司的信用风险及其控制研究 - 副本.pdfVIP

小额贷款公司的信用风险及其控制研究 摘要：随着经济的发展和金融机构的完善，现在市场上许多小额贷款公司应运而生，它不 仅是一种金融产品创新，更是一种使农户走上富裕道路的催化剂。它不仅能满足广大农户 小额贷款需求、也增加农户收入，逐渐被人们所重视。本文首先从关系型借贷理论、信用 评价、我国征信体系等理论基础出发，阐述小额贷款公司的风险构成、信用风险产生的原 因及控制措施通过分析小额贷款公司信用风险的特殊性及其成因，指出在现行政策规定的 范围内，小额贷款公司面临的最大风险是来自于客户自身违约的信用风险。从分析小额贷 款公司、商业银行和新型农村金融机构的共性和差异性进行研究，从而形成小额贷款公司 信用风险的基本框架。在此基础上，就完善我国小额贷款公司的信用风险控制提出优化措 施。 关键词：小额贷款公司；信用风险；风险控制 Abstract With the development of economy and the improvement of the financial institutions, many small loans company arises at the historic moment in the market now, it is not only a kind of financial product innovation, but also a rich farmers took to the road of the catalyst.It can not only meet the demand of the broad masses of farmers small loans, and increase farmers income, is paid great attention by people gradually.This article first from the theory of relational lending, credit evaluation, on the basis of theory of credit system in our country, expounds the risk of small loan companies constitute, the causes of credit risk and control measures by analyzing the particularity of petty loan company, credit risk and its causes, points out that in the current policies, within the prescribed scope of small loan company is the biggest risk to their own credit risk of default from the customer.From the analysis of small loan companies, commercial Banks and to study the commonness and difference of the new type of rural financial institutions, to form the basic framework of micro-credit company credit risk.On this basis, consummates our country small loan companys credit risk control optimization measures are put forward. Key words: small loan companies; Credit risk; Risk control 目录 引言1 1、小额贷款公司的概述1 1.1小额贷款公司的定义1 1.2小额贷款公司的特点1