小额贷款公司信用风险的生成、预警及控制研究  

Study on the Generation,Early-Warning and Control for Credit Risk of Small Loan Companies

作　　者：顾海峰[1] 韩攀[1] 

机构地区：[1]东华大学旭日工商管理学院,上海200051

出　　处：《征信》2013年第4期13-18,共6页Credit Reference

基　　金：国家社科基金项目(09BJY109);教育部人文社会科学研究一般项目(11YJC790051)

摘　　要：小额贷款公司在缓解中小企业融资困境,尤其是在支持"三农"建设方面发挥着重要作用。但是,小额贷款公司在提供金融服务的同时,也面临着来自于贷款企业层面的信用风险,如何科学构建小额贷款公司信用风险的防控机制已成为一项重要课题。在分析小额贷款公司信用风险的生成机理的基础上,构建小额贷款公司信用风险的预警指标及预警模型,并以此为依据,设计了小额贷款公司信用风险的控制策略。Small loan companies （SLCs） have played an important role in alleviating SME financing difficulties, es- pecially in supporting the construction of ＂agriculture, countryside and peasants＂. However, they are confronted with credit risks resulting from loan enterprises when they offer financial services. How to build up a scientific early - warning and control mechanism for credit risks of SLCs has become an important research task. Based on an analysis on the generation mechanism for credit risks of SLCs, the paper proposes the early-warning indicators and models for credit risks of SLCs, and designs the controlling strategies for credit risks of SLCs with the support of those indicators and models.

关 键 词：小额贷款公司 信用风险 生成 预警 控制 

分 类 号：F832.39[经济管理—金融学]