摘要：
小额贷款公司是由自然人与自然人、或自然人与企业法人联合投资设立的有
限责任公司或股份有限公司，是介于正规金融机构与民间资本之间的一种尝试性
的准金融机构，但同时又具有商业性的经营实体，对繁荣城乡市场和产业结构的
调整起到了积极作用

浙江金汇小额贷款公司风险管理方面存在的问题有：企业文化建设落后、重
发展、轻风险管理的思想较为普遍、“融资难”问题突出、缺乏信用评估机制、
缺少责任追究机制、缺乏专业风险管理人才、缺少有效的社会征信体系、公司内
部管理意识与基础知识薄弱、贷款流程管理存在不足等。因此，要从多方面建设
浙江金汇小额贷款公司风险管理体系。首先通过完善公司治理结构、加强对地区
的文化分析、加强贷前、贷中和贷后的管理来规避操作风险。其次，通过建立信
用风险评估体系、完善征信系统、引用信用违约模型等来规避信用风险。再次，
通过拓宽投资渠道、优化小额贷款产品、强化信用分析来规避流动性风险。最后，
通过提高员工队伍素质、树立信贷风险意识，加强对信贷员的管理、建立公司内
部责任追究机制来规避内部风险

本文通过具体分析金汇小额贷款公司的内在特征、内外部环境，围绕金汇小
额贷款公司经营面临的风险，阐述金汇小额贷款公司加强风险管理具体对策措
施。这不仅为金汇小额贷款公司的风险管理提供了有益的思路，也为其他小额贷
款公司的风险管理提供一定的参考作用，具有相当重要的理论和实践意义

关键词：小额贷款；金汇公司；风险管理3
Abstract
Small loan company is by the natural person and natural person, or a natural
person and the enterprise legal person set up joint investment limited liability
company or joint stock limited company, is between formal financial institutions and
private capital, a tentative standard financial institutions but at the same time with
commercial business entities, to the prosperity of urban and rural markets and the
adjustment of industrial structure has played a positive role.
Zhejiang jin hui microfinance risk management problems are: backward
enterprise culture construction, development, thought of risk management are
common, financing difficult problems, lack of credit evaluation mechanism, the
lack of responsibility mechanism, lack of professional risk management, the lack of
effective social credit system, the company&39;s internal management awareness and
basic knowledge is weak, loan process management shortcomings, etc.From many
aspects, therefore, the construction of zhejiang jin hui microfinance company risk
management system.First through perfecting corporate governance structure,
strengthen the analysis of regional culture, strengthen credit and credit before and
post-loan management to avoid operation risk.Secondly, through the establishment of
credit risk evaluation system, perfecting the credit reporting system, reference credit
default model to avoid credit risk.Again, by broadening the investment channels,
optimization of microfinance products, strengthen the credit analysis to avoid
liquidity risk.Finally, by improving staff quality, establish the credit risk awareness,
strengthen the management of the loan officer, to set up the company internal
responsibility mechanism to avoid the internal risk
This article through the concrete analysis of the inherent characteristics of the jin
hui microcredit company, internal and external environment, surrounding jin hui
microfinance companies operating risks, expounds jin hui microfinance company
concrete countermeasures to strengthen risk management.This not only for jin hui
microfinance risk management of the company provided the beneficial train of4
thought, for other small loan risk management of the company to provide certain
reference function and has very important theoretical and practical significance.
Key words：small loans; Jinhui company; risk management5
目 录
第 1 章 绪论......1
1.1 研究的背景、目的与意义 ...........1
1.1.1 研究的背景....1
1.1.2 研究的目的与意义....1
1.2 研究的主要内容 ...2
1.3 研究的方法与技术线路 ...3
1.3.1 研究的方法....3
1.3.2 研究的技术线路........3
第 2 章 国内外研究综述..........1
2.1 国外研究综述 .......1
2.2 国外小额贷款公司风险管理经验的启示 4
2.2.1 通过定量分析技术，加强对借款人的信用审核 .....4
2.2.2.建立小组联合担保机制，分散贷款风险 .....4
2.3 国内研究综述 .......5
第 3 章 小额贷款公司风险管理相关概念及理论........7
3.1 小额贷款及信贷风险 .......7
3.1.1 小额贷款定义7
3.1.2 小额贷款风险的类型 7
3.2 贷款风险管理基本流程 .10
3.2.1 贷前调查....... 11
3.2.2 贷中审查....... 11
3.2.3 贷后管理....... 11
3.3 风险管理理论...... 12
3.3.1 金融风险管理定义... 12
3.3.2 金融风险管理流程... 13
第 4 章 浙江金汇小额贷款公司风险管理现状..........15
4.1 浙江金汇小额贷款公司发展现状.......... 15
4.1.1 公司简介...... 15
4.1.2 公司业务与经营情况 .......... 16
4.2 浙江金汇小额贷款公司风险管理现状.. 17
4.2.1 浙江金汇小额贷款公司面临的主要风险 ... 17
4.2.2 浙江金汇小额贷款公司内控制度 ...........
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