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论文编号：	10585
作者编号：	2120163063
上传时间：	2018/12/7 9:56:17
中文题目：	XX小额贷款公司风险管理研究
英文题目：	Research on the Risk Management of XX Small Loan Company
指导老师：	陆宇建
中文关键字：	小额贷款公司；中小企业；风险管理；国有背景
英文关键字：	small loan companies; small and medium-sized enterprises; Risk management; State-owned background
中文摘要：	近年来，国家出台了众多支持小额贷款公司发展的政策，一时间小额贷款公司如同雨后春笋般迅速发展并崛起，小额贷款行业成为经济发展过程中一个重要的组成部分。小额贷款在我国主要为三农、中小企业服务。小额贷款公司的出现，将民间企业和个人的闲置资金集中起来，进行利用，既合法合规的解决了三农、中小企业资金短缺的问题，又能够将民间资金融通市场规范起来。 但是随着我国经济发展进入“新常态”，小额贷款公司迅速发展的同时也面临着许多困境，出现了许多风险管理方面的问题，制约了整个行业的可持续发展。 本文运用文献研究、案例分析等研究方法，基于XX国有背景小额贷款公司的真实经营情况，结合其在经营过程中所面临的风险管理问题，包括贷款业务内部风险管理缺乏有效性和外部环境因素制约两个主要方面，有针对性的分析问题成因，并就发现的问题对小额贷款公司的风险管理要点进行对策分析，提出合理的改进建议。同时根据XX小额贷款公司国有背景的特点，阐述国有小额贷款公司风险管理中不同于行业的管理特征。 本文的目的在于帮助XX小额贷款公司改善其风险管理的体系，提高整个公司的管理水平，从而加强在金融市场的竞争力，使得公司能够在激烈的市场竞争中脱颖而出。同时，文中对风险管理的问题分析和对策研究，也可以给市场中的其他小额贷款公司提供一定的借鉴作用，帮助规范行业的风险管理行为，更加有效的把控风险。
英文摘要：	In recent years, the state has introduced numerous policies to support the development of small loan companies. For a time, small loan companies have mushroomed and emerged. The small loan industry has become an important part of the economic development process. Small loan companies in China mainly serves for agriculture, rural areas, rural residents and small and medium-sized enterprises. The emergence of Small loan companies will pool the idle funds of private enterprises and individuals, and use them to solve the problem of shortage of funds for agriculture, rural areas and small and medium-sized enterprises, and to regulate the market for private financing. However, as China's economic development enters the "new normal", the rapid development of small loan companies also faces many difficulties, and many problems in risk management have emerged, which has constrained the sustainable development of the entire industry. This dissertation uses the methods of literature research, case analysis, based on the XX state-backed small loan company's real situation, combined with its face in the process of operation risk management problems, including lack of effectiveness in the management of loan business internal risk and external environmental factors restricting the two main aspects, targeted analysis problem causes, and found out the problems of small loan companies the main points in the risk management countermeasure analysis, put forward reasonable Suggestions for improvement. At the same time, according to the characteristics of the state-owned background of XX small loan company, the management characteristics of the risk management of state-owned small loan company different from the industry are expounded. The purpose of this dissertation is to help XX small loan company improve its risk management system, improve the management level of the whole company, and thus strengthen the competitiveness in the financial market so that the company can stand out in the fierce market competition. At the same time, the analysis and the countermeasure study of risk management in this dissertation can also provide some reference for other small loan companies in the market, help to regulate the risk management behavior of the industry and control risks more effectively.
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