当下，小额贷款公司被社会大众定义为地方金融组织，小额贷款公司的核心 业务是小额信贷业务。信贷业务的风险是小额贷款公司面临的主要风险，只有全 面提高小额贷款公司的信贷管理能力和水平，才能促进小额贷款公司健康可持续 的发展。小额贷款公司的发展在缓解中小微企业融资难问题上起到了非常重要的 作用，不断设立的小额贷款公司还有效促进了民间资本阳光化、规范化发展。小 额贷款公司因只贷不存、贷款额度小、贷款品种少、专业人才稀缺等问题，使其 在运营过程中面临着较多的信贷风险。 本文从我国小额贷款公司的发展历程入手，总结出我国小额贷款公司的主要 发展模式，重点介绍了聊城市小额贷款公司的发展情况，清晰的描绘出 LX 小额 贷款公司面临的发展环境。通过对 LX 小额贷款公司组织架构、盈利状况、业务 种类及不良贷款等情况的分析，总结出该公司在信贷风险管理过程中存在的外部 风险、内部风险和社会风险。这些来自企业内部、社会环境和法律政策层面的风 险，既是 LX 小额贷款公司面临的问题，也是聊城市甚至山东省所有小额贷款公 司面临的问题。本文从解决 LX 小额贷款公司面临的各类风险出发，提出了深入 研究市场，防控信用风险；完善制度，规避操作风险；加强人才队伍建设，规避 道德风险三个方面的建议，确保 LX 小额贷款公司信贷风险管理水平不断提升。 论文的研究不仅有助于 LX 小额贷款公司形成独具特色的核心竞争力，帮助 其在日益激烈的小额贷款市场占据一席之地，使 LX 小额贷款公司持续健康稳定 的发展。同时，本论文的研究结论还能对小额贷款行业在信贷风险管理过程中提 供可参考的模板，具有一定的指导意义。 关键词，小额贷款公司；风险管理；信贷风险；风险防控II Abstract At present, micro-credit companies are defined as local financial organizations by the public, and the core business of micro-credit companies is micro-credit business. The risk of credit business is the main risk faced by micro-credit companies. Only by improving the credit management ability and level of micro-credit companies in an all-round way, the sound and sustainable development of micro-credit companies can be realized. The development of micro-credit companies has played a very important role in alleviating the financing difficulties of small and medium-sized enterprises. The continuous establishment of micro-credit companies has effectively promoted the hyalinized and standardized development of private capital. Micro-credit companies are faced with a lot of credit risks in the course of operation as the problems of not saving loans, small loan quota, few types of loans, and the scarcity of professional talents and so on. This paper, beginning with the development course of micro-credit companies, summarizes the main development mode of micro-credit companies in China, and introduces the situation of micro-credit companies in Liaocheng, and formulates a clear perspective of the development environment faced by LX Micro-credit Company. By analyzing the organizational structure, profit status, business types and non-performing loans in LX Micro-credit Company, to summarize the external risk, internal risk and social risk in the process of credit risk management. These risks from within the enterprise, social environment and legal policy level are not only the problems faced by LX micro-loan companies, but also the problems over micro-credit companies in Liaocheng , even the whole Shandong Province. In order to solve all kinds of risks, this paper puts forward three suggestions: deeply studying the market, preventing and controlling the credit risk, perfecting the system to avoid the operational risk, strengthening the construction of the talent team, avoiding the moral hazard so as to improve the credit risk management level of the LX Micro-credit Company . The research in this paper is not only conducive to LX Micro-credit Company to form its unique core competitiveness, but also drive LX Micro-loan Company to occupy a certain market share in the increasingly fierce micro-credit market so as to ensure the sound and steady development of LX micro-credit Company. At the same time, the conclusion of this paper can also provide a reference template forIII micro-credit industry in the process of credit risk management, which has some guiding significance. Key words: micro-credit company; risk management; credit risk; risk prevention and controlIV 目 录 摘要..............................................................I Abstract...........................................................II 第一章 导论.........................................................1 1.1 研究的背景和意义..............................................1 1.1.1 研究的背景................................................1 1.1.2 研究的意义................................................1 1.2 国内外研究现状综述............................................2 1.2.1 国外研究现状..............................................2 1.2.2 国内研究现状..............................................4 1.2.3 综合评价..................................................5 1.3 研究内容和研究方法............................................5 1.3.1 研究内容..................................................5 1.3.2 研究目标..................................................5 1.3.3 拟解决的关键问题..........................................6 1.3.4 研究方法..................................................6 1.4 创新之处和不足之处............................................6 1.4.1 创新之处..................................................6 1.4.2 不足之处..................................................7 第二章 小额贷款公司信贷风险管理相关理论.............................8 2.1 相关概念......................................................8 2.1.1 小额贷款的定义............................................8 2.1.2 小额贷款公司的定义和特点..................................8 2.2 小额贷款公司信贷风险相关理论.................................10 2.2.1 信用风险管理理论.........................................10 2.2.2 大数据风控理论...........................................11 2.2.3 小额贷款公司信贷风险.....................................12 第三章 聊城市 LX 小额贷款公司信贷风险管理现状.......................14 3.1 聊城市 LX 小额贷款公司所处的行业现状..........................14V 3.2 聊城市 LX 小额贷款公司概况....................................16 3.2.1 聊城市 LX 小额贷款公司情况简介............................16 3.2.2 经营状况.................................................16 3.2.3 主要业务种类.............................................17 3.2.4 贷款业务操作流程.........................................17 3.2.5 贷款余额情况.............................................21 3.2.6 贷款期限情况.............................................21 3.2.7 逾期贷款情况.............................................22 3.3 聊城市 LX 小额贷款公司信贷风险管理流程........................22 3.3.1 LX 小额贷款公司信贷风险识别 ..............................23 3.3.2 LX 小额贷款公司信贷风险评估 ..............................27 3.3.3 LX 小额贷款业务风险管理措施 ..............................28 3.3.4 LX 小额贷款业务风险监控 ..................................29 3.3.4 聊城市 LX 小额贷款公司存在的问题..........................30 第四章 聊城市 LX 小额贷款公司信贷风险管理改进方案...................32 4.1 设计思路.....................................................32 4.2 LX 小额贷款公司信贷风险管理的目标 ............................33 4.3 设计方案.....................................................33 4.3.1 完善信贷风险识别分析体系.................................33 4.3.2 完善信贷风险评估与决策体系...............................35 4.3.3 完善贷后风险管理体系.....................................36 4.3.4 完善贷款风险考核及责任追究体系...........................37 4.4 聊城市 LX 小额贷款公司信贷风险管理的改进措施..................38 4.4.1 深入研究市场，防控信用风险...............................38 4.4.2 完善制度，规避操作风险...................................40 4.4.3 加强人才队伍建设，规避道德风险...........................42 第五章 结论........................................................44 5.1 研究结论.....................................................44 5.2 研究不足.....................................................44