JH银行与格莱珉银行小额妇女扶贫贷款业务合作研究  

The Study on the Cooperationof Small Women's Poverty Alleviation Loan Business between JH Bank and Grameen Bank

作　　者：王小鹏[1] 严阆 WANG Xiaopeng;YAN Lang(School of Economics and Management,Xi'an Shiyou University,Xi'an,Shaanxi,710065,China)

机构地区：[1]西安石油大学经济管理学院,陕西西安710065

出　　处：《西安石油大学学报（社会科学版）》2021年第1期31-37,共7页Journal of Xi’an Shiyou University:Social Science Edition

摘　　要：格莱珉小额妇女扶贫贷款业务是JH银行的一项新业务,面临着诸多不确定因素。在识别格莱珉业务存在的风险,如信用风险、操作风险、信息不对称风险、声誉风险的基础上,进行风险评估,建立相应的防范策略,对政府扶贫金融政策提出了相关建议,为格莱珉模式在中国的顺利开展提供决策参考,助力贫困妇女创业脱贫目标的实现。At present,Grameen small amount women's poverty alleviation loan business is a new business of JH bank,which faces many uncertain factors.The purpose of this paper is to identify the risks of Grameen business,such as credit risk,operational risk,information asymmetry risk,reputation risk and others,evaluate the risks and establish corresponding prevention strategies.At the same time,some relevant suggestions for the government's poverty alleviation financial policy are put forward so as to provide certain decision-making reference for the smooth development of Grameen model in China and help poor women to achieve the goal of poverty alleviation.

关 键 词：格莱珉模式 风险管理 政策建议 启示 

分 类 号：F832.4[经济管理—金融学]