Credit Risk Identification Of C Guarantee Company’s SME Customers

The development of small-medium enterprises (SME) plays an important role in the national economy development, and provide jobs in the national economy and social stability all aspects has played a significant role. Enterprise development has a problem is the financing problem, especially small and medium-sized enterprises. In trying to solve financing problems of small and medium-sized enterprises in our country, to guarantee companies place great hope. Trading in, there is a transaction risk, guarantee company business credit, risk management, what is responsibility. In recent years, our country guarantee company to solve the financing difficulty of small-medium enterprises (SME) played a positive role, but due to the small and medium-sized enterprise customers are lack of modern management idea, enterprise scale is small, less to pawn, financing costs is high, it’s easy to have a financial crisis or even bankruptcy, makes the presence of large amounts of risk assurance the company’s activities. In the financial environment is not stable in recent years, successively secured a major compensatory accident, almost all is because after the initial audit and keep management lack of SME customer credit risk identification ability, failure to respond in a timely manner, lead to compensate, company to bear huge losses. In such an environment, strengthen the guarantee company’s imminent risk identification ability, guarantee companies urgently need to has a theoretical support and practical convenient operation of the small and medium-sized enterprise customer credit risk identification model, hoping to get help in the review and decision making, in order to in the early intervention enterprise’s affairs, take timely measures to reduce enterprise customers for the guarantee company’s financial crisis and bankruptcy.This paper around the guarantee company’s SME customer credit risk identification problems for research. First according to the characteristics of the present guarantee companies, small and medium-sized enterprise’s customer credit risk characteristic and category demarcation, using the mechanism of small and medium-sized enterprise credit risk identification and identification of indicators, as well as the analysis and research of small and medium-sized enterprise risk identification model, determined to establish small and medium-sized enterprise guarantee company customer credit risk identification method of the model. Then, based on the guarantee company experience, and other professional practitioners and experts, fully analyzed drawing lessons from the existing relevant research results, attempt to use the analytic hierarchy process and fuzzy comprehensive evaluation method, the combination of qualitative analysis and quantitative analysis method, according to different industry of small and medium-sized enterprise using different evaluation indexes, set up a complete set of guarantee companies identify customer credit risk assessment model of small-medium enterprises (SME). Finally, randomly selected two of the small and medium-sized enterprise customers a guarantee company, enterprise customers in the two different industry, analyzed the empirical application of risk evaluation model, using the model built in this paper for the selected samples to carry on the comprehensive evaluation, making project decisions.