本文首先梳理和审视小额贷款机构国内外的发展历程,介绍小额贷款公司
试点的背景以及目前的发展现状。接着,结合全球金融危机给人们带来的启示,
针对小额贷款公司面临的风险及其控制研究,进行深入地分析和思考。然后,
重点分析鄂尔多斯地区的经济背景情况以及小额信贷发展的现状,理清影响鄂
尔多斯地区商业性小额信贷公司试点发展的要素。本文的主要研究内容是,在
对小额贷款机构相关历史发展背景情况和实际试点地区发展现状情况分析的基
础上,对小额贷款公司试点中的信贷风险管理问题进行深入的剖析,说明小额
贷款公司信贷风险的判定和控制问题,并针对小额贷款公司可持续发展的风险
控制和政策建议给出一些建言。
关键词:小额贷款公司,试点,风险管理,可持续性发展
Abstract
With Chinese economic society rapid development and deeper financial system
reformation, the vigor of private capital has been released and the small-loans
company welcomes its new development period which has developed from fund
release subject under poverty policy controlling to financial institution with
commercial significance. The promotion of small-loan company pilot program not
only changes the disadvantages of policy poverty alleviation financial institutions
but also guides folk capital into micro financial market, standardizes folk credit
market and plays a capital promoting role to rural economy and small and
medium-sized enterprises development.
There are three parts in this paper. Firstly, the paper cleared away and looked
closely at the developing process of both domestic and foreign micro finance
institutions,introduced backgrounds and current situation of small-loans company
pilot program. Secondly, combining with the revelation from Global Financial Crisis
triggered by Subprime Crisis, the paper focused on deeply analyzing the risk the
small-loan company facing and how to control it. Then, the paper emphatically
analyzed Erdos economic background and the present situation of micro-credit
development, found the influence elements of Erdos commercial small-loan
company pilot program development. The paper aims to deeply analyze credit risk
management problems of small-loans company pilot program based on researching
the related historical development of microfinance institutions and the present
situation of practical pilot areas, to explain the credit risk judgment and control and
propose some suggestions for small-loans the sustainable development of the risk
control and policy.
Key words: Small loan company, Launch a pilot project, Risk management,
Sustainable development
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