On The Investigation Of The Small Business Credit Risk Management System Of Qi Commercial Bank

Currently, Chinese government and financial institutions are very concerned about the problem of financing in small businesses. The absence of a sophisticated risk management system, as the big business and the research used for many years, makes the banks on small business credit prohibitive. The establishment of a specific small-business credit risk management system to improve the level of bank credit risk management has become an important issue. At present, specifically for small businesses, micro-enterprise risk management system of research are still in early stages at home and abroad.In this thesis, we will take the Qi Commercial Bank Small Business Financial Services Center, which established in the developed regions in Shandong province as the study objectsmall businesses to build a small business risk management system. This paper first analyzed small enterprise credit risk management study of the status quo at home and abroad and draw on a large number of literature through the collation and collection. On this basis, domestic and foreign banks fully draw on advanced risk management concepts, through quantitative analysis of small business life cycle, Boston matrix model analysis and Porter's analysis model, commercial bank system was established...By analyzing the ratings of domestic banking business problems, we proposed the principles of building a small business rating system, and built micro-enterprise credit risk rating models for small businesses.Innovation and characteristics of this article:1.taking small businesses, micro-enterprises as a research object and step out of a new way. 2. quantifying and building small business credit risk rating index system for small businesses, changing the international advanced Z-model and increasing the risk of monitoring small business cash flow targets. Through these, we established a more focused and feasible credit risk evaluation index system for small businesses in order to solve the small business credit risk assessment of distortion and to provide a high reference value.