摘要:商业银行小额信贷是当前我国帮助扶持低收入人群,缓解中小企业融资难和贷款难问题,增加低收入人群的创业与就业机会的信贷产品。但是,商业银行小额信贷在发展过程中存在各种各样的风险,而且这些风险对它的可持续发展的影响不容忽视。目前,商业银行如何在有效控制风险的同时快速发展小额信贷业务,已经成为各家商业银行要首先解决的问题。而要有效控制风险,必须严格管理各项金融风险,尤其是信用风险,才能促使银行业持续发展。本文以XX银行小额信贷的信用风险为例,从风险限额角度通过构建Logit模型对XX银行小额信贷的信用风险管理进行相关分析,并此模型分析提出一些建议。37286 毕业论文关键词:商业银行;小额信贷;信用风险;风险限额;风险管理
Research on credit risk of microfinance in commercial banks A case study of XX Bank
Abstract:Commercial microfinance is currently helping low-income people, alleviate the financing difficulties and problem loans, increased entrepreneurship and employment opportunities for low-income credit products. However, commercial banks in microfinance in the development process there are a variety of risks, and the impact of these risks on its sustainable development should not be ignored. At present, commercial banks how to effectively manage risks while fast-growing microcredit business, has become the commercial banks would be the first to solve the problem. And to effectively manage risks, must strictly manage the financial risk, particularly credit risk, to the development of the banking sector. Credit risk based on XX Bank microcredit, for example, from the angle of exposure limits by building a Logit model of XX Bank micro-credit analysis of credit risk management, made a number of recommendations and the model analysis.
Key words: Commercial Bank; Microfinance; Credit risk; Risk limits; Risk management
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