Research On Credit Risk Assessment Of ZBZH Bank Small And Medium Sized Enterprises

At present, Chinese banking industry is increasingly fierce competition, due to the limited resources of large enterprises, small and medium enterprises gradually become the commercial banks to actively strive for the strategic business sector. However, due to the impact of many factors, the SME credit risk is much larger than that of large enterprises, so the effective credit risk assessment of small and medium enterprises is a very important problem.ZBZH bank SME credit facility is the product of this background: set up a short time is in the early stages of development, although at present the formation of relatively complete credit risk prevention and control system, but this system in each link remains to be further improved, the face of those "high mountains and deep water" of small and medium sized enterprises seem unable to. This paper is based on the actual situation of ZBZH bank, combining macro analysis and micro analysis, first for small and medium-sized enterprises are systematically introduced, the problems of small and medium-sized enterprises in the process of credit risk credit system analysis, then introduces the ZBZH bank credit policy and risk management mode, the prominent existing problems are proposed from three aspects of credit organization structure, operation process, performance evaluation, and according to the specific problems of ZBZH bank credit risk evaluation index for further screening, three aspects of the loan before the loan, after the loan, the relevant indicators for further screening, and according to the degree of importance index in related sectors, through the for each line of expert opinion integration, obtaining weights more refined, and ultimately build a large number of scattered means compared to the original A new index evaluation system for more quantitative evaluation. In complete the risk assessment index system of construction, elected for a typical firm: SJ company, according to the actual situation of the company, under the premise of ensuring the authenticity of data and information, the index system was verified, and draw a conclusion: SJ company focusing on the sequel to the business, the corresponding credit risk is small and according to the scores of each link. It is pointed out that the credit risk is relatively large credit link, and prompt attention, case analysis further confirms the effectiveness index system of evaluation in this paper, and finally puts forward the countermeasures and suggestions for the optimization ZBZH bank small and medium-sized enterprise credit risk prevention and control. Focus on the new index system for credit risk control and management of the credit process, the risk of small and medium enterprises in the credit business may be to avoid, to minimize the risk of credit.