Small Enterprises Credit Evaluation System Optimization Study Of C Bank

Small enterprises play an irreplaceable role in promoting economic growth, increasing employment, technological innovation and social harmony and stability. At present, in the big trend of interest rate marketization and financial disintermediation, national macroeconomic policies actively promote the commercial banks through aggressive product innovation, build credit modes and credit varieties suitable for small enterprises, prompting small enterprise credit business grow steadily. However, the credit risk of small enterprises is outstanding, while business development, commercial banks need to strengthen risk management and control. As the first level of small enterprises access to credit, small enterprises rating are of great significance for commercial banks or small enterprises themselves. C Bank is a large state-owned joint-stock commercial banks, on the one hand, small enterprises credit business is developing rapidly in recent years, but small enterprises credit risk have become increasingly prominent because the concept of business development and the issues of control system. To reduce the credit risk, promote the rational allocation and the effective use of credit resources, small enterprises rating system needs to be improved; on the other hand, facing the intense competition day by day, C banking system assessment standards are becoming increasingly tight. The background of macroeconomic adjustment and the industry downturn are not conducive to the sustainable marketing of existing high-quality credit customers, may result in customer loyalty reduced, and market competitiveness of C bank undermined.On the basis of theoretical research achievements at home and abroad on the discovery, this paper found out more research about the current problem of defining small enterprises credit evaluation of SMEs, features of small enterprises, how to select small enterprises credit evaluation, how to establish evaluation model and how to set the aspect ratio of the weight. But after a study of the C bank’s existing small enterprises credit evaluation system, we found that some important behaviors affect small enterprises credit rating, such as account behavior reflected small enterprises funding and liquidity settlement, business owners and other major breach of contract or whether Litigation matters not effectively incorporated into the evaluation system, which greatly affect the effectiveness of existing small enterprises credit evaluation system. On the other hand, the research scholars how to examine commercial bank small enterprises effectiveness evaluation system is also quite insufficient. This paper in the process of analysis and optimization of C bank small enterprises evaluation system in addition to the qualitative and quantitative indexes to optimize the traditional analysis, especially analyzes the small enterprises account behavior, limits and risk assessment of special items, the effectiveness of test content, the final system established is more suitable for C bank credit evaluation system of the small enterprises, has some theoretical research and practical application value.