| 小额贷款公司信用风险生成机理及防范研究 |
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| 引用本文： | 褚红梅.小额贷款公司信用风险生成机理及防范研究[J].河南金融管理干部学院学报,2014(8):20-23. |
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| 作者姓名： | 褚红梅 |
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| 作者单位： | 南京铁道职业技术学院经贸学院,江苏南京210031 |
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| 基金项目： | 江苏省教育厅高校哲学社会科学基金项目（2012SJD790009） |
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| 摘 要： | 小额贷款公司因受政策环境等诸多因素的制约,在其成长过程中面临着比正规金融机构更大的信用风险,更要注重防范.在对小额贷款公司信用风险生成机理分析的基础上,提出小额贷款公司应进一步完善内控制度、充分运用技术手段、尽快加入央行征信系统,来有效防范信用风险,保护自身利益,促进企业可持续发展.
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| 关 键 词： | 小额贷款公司 信用风险 违约成本 风险防范 |
Research on Credit Risk Generating Mechanism and Prevention for Micro-Loan Companyies |
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| CHU Hongmei.Research on Credit Risk Generating Mechanism and Prevention for Micro-Loan Companyies[J].Journal of Henan College of Financial Management Cadres,2014(8):20-23. |
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| Authors: | CHU Hongmei |
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| Institution: | CHU Hongmei (School of Economics and Trade, Nanjing Institute of Railway Technology, Nanjing , Jiangsu 210031 , China ) |
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| Abstract: | Owing to the constraints of many factors such as policy environment, micro-loan companies may face greater credit risk than formal financial institutions during their growth process and have to focus on risk prevention. Based on an analysis of credit risk generating mechanism for micro-loan companies, the paper puts forward such measures for micro-loan companies as further improving internal control system, taking full use of technical means, and joining the central bank credit reference system as soon as possible, so as to effectively prevent credit risks, protect their own interests, and promote their sustainable development. |
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| Keywords: | micro-loan company credit risk default cost risk prevention |
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