摘 要
本文分析了小额贷款公司信贷资产质量的现状及其存在的问题，并探讨了相应的解决策略。小额贷款公司作为金融体系的重要组成部分，其信贷资产质量直接影响到金融市场的稳定。当前，小额贷款公司面临不良贷款率上升、催收机制不健全、资金链易断裂等问题，这些问题主要由催收流程不完善、高风险客户选择不当、资金来源单一及宏观经济波动等因素导致。为解决这些问题，本文提出完善催收流程、审慎选择高风险客户、多元化资金来源及关注宏观经济动态等策略。这些策略旨在提升小额贷款公司信贷资产质量，降低不良贷款率，保障其稳健运营，进而促进金融市场的健康发展。
关键词：小额贷款；信贷资产质量；风险管理
Abstract
This paper analyzes the current situation of the credit asset quality of small loan companies and its existing problems, and discusses the corresponding solution strategies. As an important part of the financial system, the quality of the credit assets of small loan companies directly affects the stability of the financial market. At present, small loan companies are faced with problems such as rising ratio of non-performing loans, imperfect collection mechanism and easy rupture of capital chain. These problems are mainly caused by factors such as imperfect collection process, improper selection of high-risk customers, single source of funds and macroeconomic fluctuations. In order to solve these problems, this paper proposes strategies of improving the collection process, prudently selecting high-risk customers, diversified funding sources and paying attention to macroeconomic dynamics. These strategies aim to improve the quality of credit assets of small loan companies, reduce the non-performing loan ratio, ensure their stable operation, and thus promote the healthy development of the financial market.
Key words: Small loans; quality of credit assets; risk management
目 录
一、引言 1
二、小额贷款公司相关概述 1
（一）小额贷款公司的定义 1
（二）小额贷款公司的特征 2
（三）小额贷款公司的主要业务模式 2
三、小额贷款公司信贷资产质量现状分析 2
（一）信贷资产质量的总体概况 2
（二）不良贷款率与逾期贷款率分析 3
（三）信贷资产主要表现形式 3
四、小额贷款公司信贷资产质量问题的具体表现 4
（一）催收机制不健全 4
（二）高不良贷款率 4
（三）资金链断裂 4
（四）宏观经济波动 5
五、小额贷款公司信贷资产质量问题的解决策略 5
（一）完善催收流程 5
（二）审慎选择高风险客户 6
（三）多元化资金来源 6
（四）关注宏观经济动态 7
结论 7
参考文献 7
致谢 8
