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论文编号：	14539
作者编号：	2320213579
上传时间：	2024/6/1 16:44:16
中文题目：	A小贷公司基于场景优势之 贷款风险审查的改进研究
英文题目：	Research on Improvement of Loan Risk Review for A Small Loan Company Based on Scene Advantage
指导老师：	齐岳
中文关键字：	小贷公司;风险审查;场景优势;层次分析法
英文关键字：	Small loan company; Risk review; Scene advantage; Analytic hierarchy process
中文摘要：	信贷是体现一定经济关系的不同所有者之间的借贷行为，是以偿还为条件的价值运动特殊形式，是债权人贷出货币，债务人按期偿还并支付一定利息的信用活动。金融机构作为媒介为市场上的企业提供融资服务，通过承担违约风险获得利差收益。小额贷款公司作为普惠金融的重要组成部分，可以弥补银行的短板，为中小微企业提供融资服务，让中小微企业获得经营周转和扩大生产的机会。 本文以A小额贷款公司作为案例企业，以其基于场景优势之贷款风险审查的改进为研究对象，综合运用文献分析法、案例分析法、实地调研法等研究方法，对A公司开展信贷业务的风险审查展开了研究。本文从A公司开展信贷业务几年后风险审查模式不合理导致贷款逾期率太高入手，对其在风险审查过程中暴露出的风险审查不成体系、没有考虑到宏观环境和房地产形势、业务和产品设计不合理的问题进行了分析，阐述了小贷公司可以基于场景优势设计风险审查模式的必要性。随后，根据全面风险管理理论、信贷配给理论和信息不对称理论，针对A公司风险审查遇到的问题，综合运用5C分析法、层次分析法对风险审查问题分析、归因、提出解决方案等步骤以完成改进方案的设计，具体内容包括以下四个方面：第一，整合数据信息，设计符合A公司业务特点的风险审查模式；第二，完善业务流程和产品定价机制，有利于风险的控制和公司的盈利；第三，为适应社会发展现状，应根据公司和业务的实际情况进行数字化转型；第四，关注宏观环境对企业经营的影响，根据经济发展情况制定企业发展策略。完成方案设计后，为了保障方案的实施效果，提出相应保障措施。 本文不拘泥于传统审查模式，通过对A公司基于场景优势之贷款风险审查的改进方案研究，探索出了适用于特定经营场景的风险审查模式，对其他有类似经营场景的企业开展信贷业务提供了一定的参考价值。 同时，由于国内小贷公司发展历史尚短，市场较为混乱，监管体系还不太成熟，国内研究领域对小额贷款的研究多集中于法律法规、监管治理、发展前景等宏观视角内，本文的研究对于有特定经营场景的公司开展信贷业务、建立风险审查模式的实务研究有一定的借鉴价值。
英文摘要：	Credit is a borrowing behavior between different owners that reflects a certain economic relationship. It is a special form of value movement with repayment as the condition. It is a credit activity in which creditors lend money and debtors repay on time and pay certain interest. As a medium, financial institutions provide financing services for enterprises in the market, and gain interest rate by bearing default risk. As an important part of inclusive finance, micro-loan companies can make up for the shortcomings of banks, provide financing services for micro, small and medium-sized enterprises, and enable them to obtain business turnover and expand production opportunities. This paper takes A small loan company as a case enterprise, takes its improvement of loan risk review based on scenario advantages as the research object, and comprehensively uses literature analysis, case analysis, field research and other research methods to study the risk review of A company's credit business. This paper starts from the unreasonable risk review mode of Company A after several years of credit business, resulting in too high loan delinquency rate, analyzes the problems exposed in the risk review process, such as lack of system of risk review, failure to take into account the macro environment and real estate situation, and unreasonable business and product design, and elaborated on the necessity for small loan company to design risk review model based on scenario advantages. Then, according to the comprehensive risk management theory, credit rationing theory and information asymmetry theory, in view of the problems encountered in Company A's risk review, 5C analysis method and analytic hierarchy process are comprehensively applied to analyze, attribute and propose solutions to the risk review problems to complete the design of the improvement plan, which includes the following four aspects: First, integrate data and information to design A risk review model that conforms to the business characteristics of Company A; Second, improve the business process and product pricing mechanism, which is conducive to risk control and company profit; Third, in order to adapt to the current situation of social development, digital transformation should be carried out according to the actual situation of the company and business; Fourth, pay attention to the impact of macro environment on enterprise management, and formulate enterprise development strategies according to economic development. After the completion of the scheme design, in order to ensure the implementation effect of the scheme, the corresponding safeguard measures are put forward. This article is not limited to traditional review models. By studying the improvement plan of A Company's loan risk review based on scenario advantages, it explores a risk review model suitable for specific business scenarios, providing certain reference value for other enterprises with similar business scenarios to carry out credit business. At the same time, due to the short development history of domestic small loan companies, the relatively chaotic market, and the incomplete regulatory system, domestic research on small loans mostly focuses on laws and regulations, supervision and governance, development prospects and other macro perspectives. The research in this paper has certain reference value for the practical research on companies with specific business scenarios to carry out credit business and establish risk review models.
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