近年来，小额贷款行业的公司普遍存在风险管理体制不健全，贷款回收难的 问题，行业经营风险日益严峻。万意小额贷款公司成立于惠州本地，随着公司业 务规模的扩大，客户信用风险管理问题频发，构建一套科学的客户信用风险评价 指标体系，从降低客户的信用风险这一角度来实现资金链顺畅运行，使公司能够 可持续发展，是万意小额贷款公司亟待解决的问题。 论文的研究内容包括六章。采取规范分析和实证研究相结合的方法，以小额 贷款、信用风险理论为依据开展研究。首先，介绍万意小额贷款公司目前的业务 情况以及信用风险管理现状，分析信用风险管理存在的问题与成因，总结得出是 因为缺乏科学全面的客户信用风险评价指标体系所致。进而通过对公司员工、行 业内的从业人员进行深入访谈和发放调查问卷，筛选贷款客户的信用风险评价指 标，选择层次分析法赋予各指标权重，从而构建出信用风险评价计分表和信用风 险评级表，并将该评价指标体系进行效果验证证明其有效性。 论文的研究表明，信用风险评价在整个信用风险管理中占有至关重要的地位， 构建科学的客户信用风险评价指标体系可以规范万意小额贷款公司在贷款审批、 贷后管理等方面的实际操作，提高公司的风险识别、风险管理能力，为公司做出 贷款发放金额、期限、利率等重要决策时提供重要依据。 论文将层次分析法引入客户信用风险评价指标体系，使万意小额贷款公司的 客户信用风险评价更为科学、客观，同时将决策过程数学化，提高了工作效率， 具有很强的现实意义。论文的研究成果也能对同行业的风险管理提供有益的借鉴。 关键词：小额贷款，信用风险管理，信用风险评价 MBA学位论文 作者：温文凤 万意小额贷款公司客户信用风险评价研究 II RESEARCH ON EVALUATION INDEX SYSTEM FOR CUSTOMER CREDIT RISK OF WANYI MICRO-CREDIT COMPANY Abstract In recent years, companies in the microfinance industry generally have problems with inadequate risk management systems and difficulties in loan recovery. The industry’s operating risks are becoming increasingly severe. Wanyi Micro-credit Company was established locally in Huizhou. With the expansion of the company’s business scale, customer credit risk management problems frequently occur, and a set of scientific customer credit risk evaluation index system is constructed to achieve from the perspective of reducing customer credit risk The smooth operation of the capital chain to enable the company to develop sustainably is a problem that Wanyi Micro- credit Company urgently needs to solve. The research content of the thesis includes six chapters. Take a combination of normative analysis and empirical research, and conduct research based on the theory of micro-credit and credit risk. First, introduce the current business situation and current status of credit risk management of Wanyi Micro-credit Company, and analyze the existence of credit risk management of the company. The problems and causes are summed up due to the lack of a scientific and comprehensive customer credit risk evaluation index system. Furthermore, by conducting in-depth interviews and issuing questionnaires to company employees and practitioners in the industry, the credit risk evaluation indicators of loan customers were selected, and the analytic hierarchy process was used to give weight to each indicator, thereby constructing a credit risk evaluation score sheet and credit risk. Rating, and the effectiveness of this evaluation index system is verified. The research in this paper shows that credit risk evaluation plays a vital role in the overall credit risk management. The construction of a scientific customer credit risk evaluation index system can standardize the practical operation of Wanyi Micro-credit Company in loan approval and post-loan management , Improve the company's ability MBA学位论文 作者：温文凤 万意小额贷款公司客户信用风险评价研究 III to identify and manage risks, and provide important evidence for the company to make important decisions such as the amount, term and interest rate of loan disbursement. The paper introduces the analytic hierarchy process into the customer credit risk evaluation index system, which makes the customer credit risk evaluation of Wanyi Micro-credit Company more scientific and objective. At the same time, it mathematicalizes the decision-making process and improves the work efficiency. It can also provide useful reference for risk management in the same industry. Keywords: Microloans, credit risk management, credit risk assessment MBA学位论文 作者：温文凤 万意小额贷款公司客户信用风险评价研究 IV 目 录 中文摘要 ..................................................................................................... I Abstract ...................................................................................................... II 第一章 绪论 ............................................................................................... 1 1.1 研究背景和研究意义 ...................................................................................... 1 1.1.1 研究背景 ................................................................................................. 1 1.1.2 研究意义 ................................................................................................. 3 1.2 研究目的和研究内容 ...................................................................................... 4 1.2.1 研究目的 ................................................................................................. 4 1.2.2 研究内容 ................................................................................................. 4 1.3 研究方法和技术路线 ...................................................................................... 5 1.3.1 研究方法 ................................................................................................. 5 1.3.2 技术路线 ................................................................................................. 5 1.4 论文的创新点 .................................................................................................. 6 第二章 相关理论与研究综述 .................................................................. 8 2.1 小额贷款概述 .................................................................................................. 8 2.1.1 内涵 ......................................................................................................... 8 2.1.2 特点 ......................................................................................................... 8 2.2 信用风险理论 .................................................................................................. 9 2.2.1 内涵 ......................................................................................................... 9 2.2.2 种类 ....................................................................................................... 10 2.2.3 管理模型 ............................................................................................... 10 2.2.4 评价方法 ............................................................................................... 11 2.3 研究综述 ........................................................................................................ 13 2.3.1 风险来源 ............................................................................................... 13 2.3.2 影响因素和特征 ................................................................................... 14 2.3.3 评估方法 ............................................................................................... 16 MBA学位论文 作者：温文凤 万意小额贷款公司客户信用风险评价研究 V 2.3.4 研究综述小结 ....................................................................................... 18 第三章 万意小额贷款公司客户信用风险管理现状 ............................ 19 3.1 公司概述 ........................................................................................................ 19 3.1.1 简介 ....................................................................................................... 19 3.1.2 经营情况 ............................................................................................... 19 3.1.3 组织结构 ............................................................................................... 20 3.2 业务发展现状 ...............................