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论文编号：	5716
作者编号：	2220110766
上传时间：	2013/12/3 14:38:30
中文题目：	小额贷款公司的风险分析与控制研究
英文题目：	Risk Analysis and Control of Microfinance Limited
指导老师：	张玉利
中文关键字：	小额贷款公司；风险分析；风险控制；发展建议
英文关键字：	Microcredit companies (MCCs); risk analysis; risk control; development advice
中文摘要：	小额贷款公司自 2005年在我国正式成立至今，发展迅速。它的设立对中小企业、县域经济和农村金融市场的长期发展发挥了积极作用。但由于其在经营等方面的特殊性，小额贷款公司还隐存着一系列的风险问题，这些风险是否能够得到有效控制，是小额贷款公司生存及县域经济发展的关键，这也关系到我国金融市场秩序的稳定。本文结合了国内外对小额贷款公司的研究，并在此基础上仔细分析了小额贷款公司的主要风险及其成因，探究了适合小额贷款公司风险控制的相关措施，就我国小额贷款公司的可持续发展提出了建议。本文主要由五个部分组成。第一部分主要论述小额贷款公司的发展历程及国内外学者对小额贷款公司的研究情况，为进一步分析小额贷款公司面临的风险和风险管控措施提供了研究方向和借鉴之处。第二部分主要论述小额贷款公司面临的风险种类：一是市场风险，小额贷款公司的市场认知度低，市场波动使小额贷款公司不能获得预期收益，包括由于利率、价格、汇率等经济原因而产生的不利波动等。二是信用风险，也称之为违约风险。违约风险可分为两种，一种为主观违约即不愿还款，另一种为各种原因造成的无能力履行合同条件而构成违约。三是管理风险，主要表现在两个方面，一个是政府部门对小额贷款公司监管方面，另一个是小额贷款公司自身管理不善造成的风险。四是现金流动风险，主要来自于我国对小额贷款公司的制度“只贷不存”造成现金流动风险。第三部分主要论述小额贷款公司风险管控措施，一是政府要加强对小额贷款公司的监管力度，并在相关政策的制定上向小额贷款公司倾斜，减免小额贷款公司税收；二是小额贷款公司应该加强自身的管理，培养和招聘专业技术人才。三是在继续加强与银行类金融机构的分工合作的前提下，借鉴银行经营经验，开展代理等中间业务。第四部分通过案例分析，具体论述小额贷款公司在实际经营过程中遇到的各方面的风险，以及相应的应对措施。第五部分就小额贷款公司可持续发展提出建议，应从地方政府、小额贷款公司自身及社会三方面对其进行监管，增强整个社会的信用意识，建立完善的金融体系，为我国经济再发展贡献绵薄之力。关键词：小额贷款公司；风险分析；风险控制；发展建议
英文摘要：	Since they took off in China, in 2005, Microcredit companies (MCCs) have been developing rapidly, which benefits the long-term development of small and medium-sized enterprises, county economy, and financial markets in rural areas. However, due to the peculiarity in their operation, MCCs are facing hidden risks. Weather we can control these risks is core to the survival of small loan companies, the development of county economy, and even, the stability of financial market. This thesis analyzes that how major risks to be formed and to influence MCCs. Then, it probes into feasible measures to control such risks so as to offer advices for the sustainable development of MCCs. This thesis contains five parts: in the first part, it explains the progress of development of MCCs and introduces related studies both at home and abroad. This part makes clear the research direction and presents references to help tackle risks; in the second part, it describes t-hree major risks. One is market risk. Due to low market recognition and market fluctuation, which is caused by fluctuations of interest rate, prices, exchange rate, etc., MCCs can not acq-uire prospective earnings. Another is credit risk (also known as default risk). It has two types: one is subjective malicious breach of contract, and the other is non-performance of contract due to insolvency; The third is management risk. It consists of two factors: one is the supervis-ion by government, and the other is poor management in MCCs.The forth is cash flow risk th-at roots in the ‘credit-only’ system of MCCs.The third part elaborates measures to control ris-ks above: one is to require government to strengthen supervision over MCCs, make favorabl-e policies for them, and reduce or remit their taxes. Another is to upgrade management level by training staff or recruiting experts. The third is to deepen cooperation among financial insti-tutes, including banks, learn form different experiences, and put forth intermediate businesse-s such as agent service; The fourth part expounds that how micro credits benefit small and medium- sized enterprises and help to solve rural issues, concerning ‘agriculture, countryside, and cultures’. It also gives advices to the sustainable development of MCCs, that is, by super-vision of local authorities, society and themselves, improvement of credit consciousness, and consummation of financial system. Key Words: Microcredit companies (MCCs); risk analysis; risk control; development advice
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