Aresearch On Creadit Appraisal System Of The Minor Enterprises Of M Bank

In modern economies, whatever developed or developing, SMEs are an important part ofthe national economy, growth in the national economy plays an indispensable role as well. ForM-banks, SMEs are an important banking client resources, to promoting the the healthydevelopment of the M Bank Xi’an Branch for daily credit businesses, standardize theoperational processes, enhance risk prevention and control capabilities, improve financialservices, establish a good effective SME credit rating system is very necessary, which willmaking M banks in the SME financing process to minimizing the credit risk, banks canpromote the rational allocation of credit resources, to achieve a win-win business. Based onthis background, this thesis is intends to study the case of M Bank SME credit evaluation ofthe existing systems, and the improve actions on this basis.Firstly, this thesis carried out a relatively comprehensive financial management theoryand literature overview. Analyzed the research background, pointing out the concern toimproving the SME credit evaluation system is to reduce the bank credit risk of as the mainmeasures in the current stage. Secondly, the analysis of domestic and international M BankSME credit evaluation systems, based on the Bank of M specific as the object of study, the MBank SME credit evaluation system described the current situation, analyzing the currentlyrating methodology of the main problems and shortcomings currently M Bank’s ratings in theevaluation system, and indicators imperfect, moreover the conclusion is that the existingproblems of M Bank SME credit evaluation is the main reason. Last but not the least, theexisting evaluation system is imperfect and unscientific indicators as the selected cases, theuse of AHP and fuzzy comprehensive evaluation methods of the M Bank SME creditevaluation system and the establishment andpointed out that the current SME creditevaluation principles and building construction methods. While the return type of the ratingtest, track re-evaluation also proposed the proposals.Through the case research, the overall set up is to adapt the development of SMEs M bank rating system, based on the analysis conclusions and the advantages&disadvantages ofSME credit evaluation mechanism and the improve method. Currently, there are many articleswhich were targetd on the establishment of SME credit evaluation index system, and thisarticle is from the special group of M Bank SME perspective analysis, drawing on theexisting research results, carried out a detailed analysis of the data obtained from a survey,point out the specific improvements measure as well.