金融公司财务风险控制研究.doc

目录 TOC \o 1-3 \h \u 6920 1前言 1 28999 1.1研究目的和意义 1 31027 1.2国内外研究文献综述 1 22307 1.2.1国外研究文献综述 1 23337 1.2.2国内研究文献综述 1 14532 1.3 研究内容与方法 2 22882 1.3.1研究内容 2 10216 1.3.2研究方法 2 21795 2 金融公司概况及财务风险控制现状 3 17729 2.1金融公司概况 3 1767 2.2金融公司财务风险控制现状 3 24481 3金融公司财务风险控制中存在的问题 4 16734 3.1逾期率高 4 18841 3.2盈利低 7 5383 4 金融财务风险控制问题的原因分析 9 271 4.1 考核制度不合理、信用评估服务体系不健全 9 8687 4.2 盈利模式管理不善 10 24731 5 解决金融财务风险控制问题的对策建议 10 5.1构建财务风险预警模型，完善客户信用评级机制 10 5.2强化盈利风险管理 12 4127 6结束语 13 4264 参考文献 13 11452 致谢 15 金融公司财务风险控制研究 摘要：金融公司在众多行业里风险系数较高，随着经济的快速发展，金融业也面临前所未有的挑战和机遇，而合理控制好财务风险是各金融业持续发展的关键所在。本文以金融公司为研究对象，主要介绍金融公司P2P网络借贷平台基本情况，分析财务风险控制现状，联合实际所学及参考国内外文献综述，并通过实地工作实习了解逾期率指标、成本收入指标分析出金融公司财务风险控制上出现的逾期率高、盈利低问题。分析造成财务风险控制问题的原因，结合金融公司实际情况提出合理控制财务风险问题的对策，提高财务风险控制能力，使其财务风险控制趋于专业化，提高公司可持续发展能力。 关键词：P2P网络借贷平台；财务风险；风险防范 Research on Financial Risk Control of Dafu Financial Company Abstract: Financial companies have high risk coefficients in many industries. With the incredibly development of the economy, the financial industry is also facing unprecedented opportunities and challenges. Reasonable control of financial risks is the key to the sustainable development of various financial industries.This article mainly takes Dafu Financial Company as the research object, and introduces the basic situation of the P2P lending platform of Dafu Financial Company,analyzing the current situation of financial risk control, combining actual learning and references to literature review at home and abroad, analyzing the problems of high overdue rate and low profit in financial risk control of Dafu Finance Company through field work practice to understand overdue rate index and cost-income index.This article analyzes the causes of the financial risk control problems, and puts forward countermeasures to reasonably control the financial risk problems in combination with the actual situation of Dafu Finance Company, so as to improve the financial risk control ability, make its financial ri