小额贷款公司贷款风险内部来源分析——基于AHP-模糊综合评分模型  

Analysis on Inner Causes for Loan Risk in Micro-credit Companies—Based on AHP-Overall Rating Model

作　　者：王中秀[1] 郭丽华[1] 洪艺[1] 

机构地区：[1]南京农业大学金融学院,江苏南京210095

出　　处：《安徽农业科学》2015年第23期328-330,335,共4页Journal of Anhui Agricultural Sciences

摘　　要：小额信贷是一种以城乡低收入阶层为服务对象的小规模的金融服务方式,旨在解决小微企业及低收入人群融资难问题。目前,小额贷款机构在开展贷款业务时,主要还是依靠信贷员的主观定性评估,这样就会产生很多的问题,比如信贷员为了提高业绩而故意放宽贷款条件。因此,该研究从信贷员的视角,基于对江苏省南京市XX小额贷款公司的调查,分析了小额贷款公司发展现状及造成贷款风险的成因,并构建了小额信贷的AHP-模糊综合评分模型,为降低贷款风险,促进小额贷款公司的可持续发展提供参考。Micro-credit is a kind of small-scale financial service targeting low-income groups in urban and rural areas,which aims to solve financing problems for small and micro enterprises as well as low-income people. Nowadays,in micro-credit companies,loan transactions are mainly based on subjective qualitative assessment of loan officers,which caused many problems. For example,some loan officers would intentionally soften loan terms to improve their business performance. Therefore,this thesis,from the perspective of loan officers,aims to analyze the current situation of petty loan enterprises and causes of loan risks through survey of small loan companies in Nanjing,Taiyuan and Susong County. Besides,it also establishes a fuzzy AHP- Overall Rating Model,which will provide reference for reducing loan risk and promoting sustainable development of micro-credit companies.

关 键 词：小额贷款公司 贷款风险 AHP-模糊综合评分模型 

分 类 号：S9[农业科学—水产科学]