近年来，伴随着我国民间贷款市场的蓬勃发展和优胜劣汰，许多民间贷款公司的风 险控制意识不断增强，风险控制水平显著提升，并形成了一套适合自己的控制风险、化 解风险的措施和经验。与此同时，也有不少拥有大量资金，却不善业务拓展和信贷风险 控制的个人和企业，倾向于把资金交给业务拓展能力更强或信贷风险控制经验更丰富的 民间贷款中介公司进行管理。在这个过程当中，催生了大量的民间贷款中介公司。这些 民间资金的拥有者与民间贷款中介公司展开合作，除了可以借助贷款中介公司的销售团 队，迅速有效地消化闲置资金，提高资金的利用效率，还可以获得相对稳定的收益，而 不用承担过高的管理成本和信贷风险。 无论民间贷款公司还是贷款中介公司，只要从事信贷业务，必然会面临如何控制信 贷风险的问题。JX投资管理有限公司（以下简称JX公司）作为一家以房产抵押贷款为 主要业务的民间贷款中介公司，在风险识别、风险评估、风险控制、贷后管理等方面均 有着相对完善的措施和比较成熟的行业经验。 本文以JX公司为案例研究对象，对其信贷风险管理体系进行介绍，并采用文献研 究法、实地调查法、演绎与归纳推理等方法，重点对其信贷风险控制问题进行全面而深 入的分析，总结其在风险控制方面的成功经验。 本文全文包括四章。第一章绪论，主要对本文的选题背景和研究意义进行阐释，对 信贷风险的概念、特征、风险管理的主要环节、风险控制的相关理论和国内外文献进行 了梳理和综述，并且对论文框架和研究方法进行了介绍；第二章案例介绍，对JX公司 所处的市场环境、公司发展历程、人力资源状况、组织架构、信贷产品、经营状况、信 贷风险管理体系、以及信贷风险控制流程和措施等进行全面介绍；第三章案例分析，分 别从信贷产品的设计、信贷业务的实施、内部稽核机制等三个方面对JX公司的信贷风 险控制进行深入细致的分析；第四章案例启示，通过对JX公司信贷风险控制案例的启 发式思考，总结归纳了该公司在信贷风险控制方面可供同行业企业参考借鉴的成功经验。 关键词：民间贷款市场；房产抵押贷款；信贷风险控制 II Abstract In recent years, with the vigorous development of the private loan market and the survival of the fittest, the risk control consciousness of many private loan companies has been strengthened, the level of risk control has been improved significantly, and a set of suitable risk control has been formed. Measures and experience in mitigating risks. At the same time, there are many individuals and enterprises who have a lot of money but are not good at business expansion and credit risk control. Tend to hand over funds to private loan intermediaries with greater business expansion or experience in credit risk control. In this process, gave birth to a large number of private loan intermediary companies. The owners of these private funds can cooperate with the private loan intermediary companies. In addition to using the sales team of the loan intermediary companies, they can quickly and effectively digest the idle funds and improve the efficiency of the use of the funds. They can also obtain relatively stable returns. Instead of taking on excessive management costs and credit risk. Whether a private lending company or a loan intermediary company, as long as it is engaged in credit business, JX Investment Management Co., Ltd. (hereinafter referred to as JX Company), as a private loan intermediary company with real estate mortgage loan as its main business, is faced with the problem of how to control credit risk in risk identification, risk assessment and risk control. After loan management and other aspects have relatively perfect measures and more mature industry experience. This paper takes JX Company as the case study object, introduces its credit risk management system, and adopts the methods of literature research, field investigation, deduction and inductive reasoning, etc. This paper focuses on the comprehensive and in-depth analysis of credit risk control and summarizes its successful experience in risk control. This paper includes four chapters. The first chapter introduces the background and significance of this paper, the concept of credit risk, characteristics, risk management of the main links, risk control theory and domestic and foreign literature to sort out and summarize. And the paper frame and research methods are introduced. The second chapter introduces the market environment, development history, human resource situation, organization structure, credit products, management status, credit risk management system of JX Company. As well as the credit risk control process and measures to conduct a comprehensive introduction; The third chapter analyzes the credit risk control of JX company from three aspects: the design of credit products, the implementation of credit business and the internal audit mechanism. In the fourth chapter, through the heuristic thinking on the case of credit risk control of JX III Company, the author summarizes the successful experience of credit risk control of JX Company which can be used for reference by enterprises in the same industry. Key Words: Private loan market; Real estate mortgage loan; Credit risk control IV 目 录 摘要 ........................................................................................................................................ I ABSTRACT .............................................................................................................................. II 图表清单 ................................................................................................................................. VI 第一章 绪论 ............................................................................................................................. 1 1.1 选题背景与研究意义 .................................................................................................... 1 1.1.1 选题背景 ................................................................................................................. 1 1.1.2 研究意义 ................................................................................................................. 2 1.2 相关理论与文献综述 .................................................................................................... 2 1.2.1 信贷风险及其管理概述 ......................................................................................... 2 1.2.2 信贷风险控制的相关理论 ..................................................................................... 4 1.2.3 小额贷款风险及其控制文献综述 ......................................................................... 7 1.3 研究内容与研究方法 .................................................................................................... 9 1.3.1 研究内容 ................................................................................................................. 9 1.3.2 研究方法 ............................................................................................................... 10 第二章 案例介绍 ................................................................................................................... 11 2.1 行业背景简介 .............................................................................................................. 11 2.1.1 全国民间贷款市场 ............................................................................................... 11 2.1.2 广州民间贷款市场 ............................................................................................... 12 2.1.3 行业风险状况 ....................................................................................................... 13 2.2 JX公司简介 ................................................................................................................... 15 2.2.1 发展历程 ............................................................................................................... 15 2.2.2 人力资源及组织架构 ........................................................................................... 16 2.2.3 主营信贷产品 ....................................................................................................... 17 2.2.4 整体经营情况 ....................................................................................................... 17 2.3 JX公司信贷风险管理体系 .......................................................................