中小型信贷公司的发展前景
中小型信用贷款是一种无抵押、无担保的信用贷款，操作方便、审批快捷，为长期排斥在正规金融机构之外的小企业和低收入人群改善生活、发展生产提供了资金支持。但是中小型信用贷款的特点也决定了它的高风险性。随着 08 年中小型信贷公司结束试点阶段，正式合法化，各地的私人资本纷纷涌进这个行业，中小型信贷公司遍地开花，信贷业务不断发展，过去依靠信贷员及审批专家的主观判断决定审批额度的方法，无法适应业务量迅速扩大的需要，因此急需要研究出一种定量与定性相结合的信用发展方法。
本文首先陈述了选题的意义和国内外信用贷款的风险评估方法，为研究适合中小型信贷公司特点的信用评估模式提供借鉴，并简单介绍了本文的研究方法、技术路线及论文的框架。然后介绍了中小型信用贷款的概念界定、业务特点、操作模式，并详细阐述了以深圳的中小型信贷公司为代表的信贷公司的现状及发展方式，并对其不足之处进行了研究。为了更好的规避发展，提高中小型信用贷款的运作效率，我们有必要引进定量分析方法，通过对国内外的信用发展方法的研究，本文提出了以专家法和信用评分法相结合的中小型信用贷款的信用发展模式。本文的价值在于在不能在短期内为打工者、小企业主等低收入人群建立完备的信用体系的情况下，找到了一种定性与定量相结合的方法对信用贷款的申请人的还款情况进行预测，改变了过去单纯依靠定性分析进行贷款审批、发展的不足之处，降低了中小型贷款公司的发展。
关键词： 中小型信贷公司，信用贷款，发展
Small credit in the development prospects of the company
Small credit loan is an unsecured, unsecured loans credit, convenient operation, and quick, as long-term exclusion in formal financial institutions outside of small businesses and low-income people improve life, development and production to provide financial support. But medium and small credit loan has determined the characteristics of its high risk. With08 years of small credit company end of the pilot phase, the formal legalization, around the private capital have poured into the industry, small credit company blossom everywhere, credit business development, the past rely on credit and approval of subjective judgments of experts decision approval limit method, unable to adapt to the pace of business expansion needs, therefore in urgent need of research a combination of quantitative and qualitative credit development method.
This paper first describes the significance and the domestic and foreign credit risk assessment methods, in order to study the suitable for medium and small credit company features of credit evaluation model for reference, and briefly introduces the research method of this paper, the technical route and the framework of the thesis. Then it introduces the definition of the concept of small credit loans, business characteristics, mode of operation, and elaborated to Shenzhen small credit company as a representative of the company credit status and development mode, and the deficiencies were studied. In order to better to avoid the development of medium and small credit loans, improve operational efficiency, it is necessary for us to introduce a quantitative analysis method, through the development of domestic and foreign credit method research, this paper proposes a method of expert and credit scoring combination of small credit loan credit development mode. This paper is valuable in not in the short term for workers, small business owners and other low-income groups to establish a complete credit system, found a combination of qualitative and quantitative methods of credit loan applicants to repayment situation forecast, changed the past pure rely on qualitative analysis for loan approval, development deficiencies, reduces the small loan company development.
Key words: small loan companies, credit, development
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