Research On Optimization Of Customer Credit Evaluation System For Microfinance Companies Based On Risk Management

At present,China's rural financial system reform process is slow,and rural areas have a strong rigid demand for finance.At the same time,since the financial crisis,Chinese SMEs have also faced shortage of funds,declining export trade,rising labor costs,and rising raw material costs.In a severe situation,the shortage of funds is particularly acute.Microcredit has provided an effective solution to the above two problems.The effective microcredit operating model puts forward two requirements: First,accurate customer positioning to ensure that credit resources are passed directly to the correct target customers;and the second is reasonable and effective risk control,which is an important prerequisite for the sustainable development of small loan companies.However,the weak credit management ideology of many enterprises has led to the actual operation of credit management as a decoration.Insufficient credit management and imperfect mechanisms are the problems that need to be solved in the current development of microfinance companies.Under the background that the microfinance credit system is not so perfect.Based on the information obtained by the microfinance company and the suggestions of the instructing teacher of the internship organization,the author based on the current actual situation of the microfinance company and adopted a more scientific level on the problems in the credit management of the XY microfinance company.The AHP analytical method has designed a customer credit evaluation system for it and made several targeted suggestions.Mainly focused on the establishment of customer information systems,standardize the company's organizational structure and business process monitoring,dynamic adjustment of the credit scoring model,strengthen the incentive and supervision of the company's employees these four aspects.It is hoped that this paper can provide some ideas for the establishment and improvement of credit management of microfinance institutions similar to XY Corporation.