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AbstractWiththedevelopmentofeconomyandtheimprovementofthefinancialinstitutions,manysmallloanscompanyarisesatthehistoricmomentinthemarketnow,itisnotonlyakindoffinancialproductinnovation,butalsoarichfarmerstooktotheroadofthecatalyst.Itcannotonlymeetthedemandofthebroadmassesoffarmerssmallloans,andincreasefarmersincome,ispaidgreatattentionbypeoplegradually.Thisarticlefirstfromthetheoryofrelationallending,creditevaluation,onthebasisoftheoryofcreditsysteminourcountry,expoundstheriskofsmallloancompaniesconstitute,thecausesofcreditriskandcontrolmeasuresbyanalyzingtheparticularityofpettyloancompany,creditriskanditscauses,pointsoutthatinthecurrentpolicies,withintheprescribedscopeofsmallloancompanyisthebiggestrisktotheirowncreditriskofdefaultfromthecustomer.Fromtheanalysisofsmallloancompanies,commercialBanksandtostudythecommonnessanddifferenceofthenewtypeofruralfinancialinstitutions,toformthebasicframeworkofmicro-creditcompanycreditrisk.Onthisbasis,consummatesourcountrysmallloancompany'screditriskcontroloptimizationmeasuresareputforward.Keywords:smallloancompanies;Creditrisk;Riskcontrol目录引言..................................................................................................................................................11、小额贷款公司的概述.................................................................................................................1..................................................................................................................................................1..................................................................................................................................................1..........................................................................................................................................1..........................................................................................................................................1..........................................................................................................................................1..................................................................................................................................................12小额贷款公司的信用风险............................................................................................................2..................................................................................................................................................2................................................................................................................
