EMBA学位论文作者：姚明学艾黎小额贷款公司风险管理优化研究
I
中文摘要
小额贷款公司作为传统金融的补充手段，服务中小企业、个体工商户和农户，
解决其长久以来的融资难问题。同时，小额贷款公司在一定程度上上替代了不正
规的民间借贷市场，填补了金融行业的空白，在规范民间借贷行为、平抑民间借
贷利率方面具有重要的意义。虽然小额贷款公司的发展前景较好，但也不能忽视
小额贷款公司自身面临的市场风险、信用风险、经营风险以及法律风险等。研究
小额贷款公司风险管理，对于促进行业健康发展，依法合规经营，提高风险承受
能力，具有重要意义
本文以艾黎小额贷款公司为研究对象，以目前小额贷款的风险管理为研究主
题，对艾黎小额贷款公司的风险管理问题进行深入挖掘，并全面剖析风险管理问
题存在的原因。而后运用层次分析及灰色关联分析方法对艾黎小额贷款公司风险
管理水平进行评价，虽然艾黎小额贷款公司风险管理的水平在逐年提升，但是相
较科学合理的管理水平而言，仍然存在着不足。针对风险管理存在的问题和不足，
本文提出了优化风险管理的策略，比如优化组织结构和业务流程、优化风险管理
流程、优化贷款结构、建立风险责任认定机制和加强贷后管理等。并就策略的实
施提出保障措施，诸如改进风险管理文化、建立信用评估体系、加强人力资源保
障等，进一步保障优化策略的顺利实施
本文所提出的风险管理优化措施和保障措施在一定程度上能够提高艾黎小
额贷款公司的风险管理能力，可以降低由于风险带来的借贷资金的损失，提高公
司的盈利能力，对公司有一定指导意义
关键词：小额贷款公司；风险管理；优化策略
EMBA学位论文作者：姚明学艾黎小额贷款公司风险管理优化研究
II
Abstract
As a supplementary means of traditional finance to serve small and medium enterprises,
individual industrial and commercial households and farmers, microfinance companies make a
solution to the long-term financing difficulties. At the same time, microfinance companies have
replaced the non-regular private lending market to a certain extent, filling the gaps in the financial
industry, and are of great significance in regulating private lending behaviors and stabilizing
private lending rates. Although the development prospects of microfinance companies are good,
we cannot ignore the market risks, credit risks, business risks, and legal risks faced by
microfinance companies. Studying the risk management of microfinance companies is of great
significance in promoting the healthy development of the industry, pursuing compliance with laws
and regulations, and improving risk tolerance.
This paper takes Aili Microcredit Corporation as the research object, takes the current risk
management of microfinance as the research theme, digs deeply into the risk management issues
of Aili Microcredit Corporation, and thoroughly analyzes the reasons for the existence of risk
management problems. Besides, Aili Microcredit Corporation's risk management level was
evaluated by using analytic hierarchy process and grey correlation analysis. Although the level of
risk management of Aili Microcredit Corporation is increasing year by year, it still exists
shortcomings compared with scientific and reasonable management level.For the problems and
deficiencies in risk management, strategies for optimizing risk management are proposed, such as
optimizing organizational structure and business processes, optimizing risk management processes,
optimizing credit structures, establishing risk-recognizing mechanisms, and strengthening
post-lending management. And we put forward safeguard measures on the implementation of the
strategy, such as improving the risk management culture, establishing a credit assessment system,
and strengthening the protection of human resources.
To a certain extent, the risk management optimization measures and safeguard measures
proposed in this paper can improve the risk management capabilities of Aili Microcredit
Corporation, reduce the loss of borrowing funds brought about by the risks, and sufficiently guide
the company.
Key words: Microfinance company; Risk management; Optimization Strategy
EMBA学位论文作者：姚明学艾黎小额贷款公司风险管理优化研究
III
目录
中文摘要 . I
AbstractII
1 引言 ... 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研究内容与方法 ........... 2
1.2.1研究内容 ........... 2
1.2.2研究方法 ........... 3
1.3研究思路、框架与创新 ..... 4
1.3.1研究思路 ........... 4
1.3.2研究框架 ........... 4
1.3.3研究创新 ........... 5
2 文献综述与理论基础 . 7
2.1文献综述 ..... 7
2.1.1小额贷款公司的风险研究综述 ..... 7
2.1.2小额贷款风险评估的研究 ......... 8
2.1.3小额贷款风险防范措施的研究 ..... 9
2.2相关理论基础10
2.2.1小额贷款相关概念 .. 10
2.2.2风险的含义和种类 .. 10
2.2.3风险管理的概念 .... 12
2.2.4风险管理水平的评价方法 ........ 12。。。。。。