Research On Risk Assessment Of Small And Micro Businesses Credit Business Of Postal Savings Bank

Small and micro enterprises have always been an important part of China's economic development and play a decisive role in all aspects of economic development.However,difficult and expensive financing has always been a roadblock to the development of small and micro enterprises.In order to further increase the support for small and micro enterprises and promote the alleviation of financing difficulties and high cost,the state has successively issued relevant policies and bonuses to solve the financing problems of small and micro enterprises and promote the development of small and micro enterprises.The development of small and micro enterprises has received extensive support and help from the domestic financial industry.As the characteristic business of post savings bank,the credit business of small and micro enterprises has even been upgraded to its strategic core business.In recent years,the credit business of small and micro enterprises has shown a trend of vigorous development,and the business scale has gradually expanded,and the risks have begun to surface.Under such a background,it is particularly important to evaluate and predict the risks of small and micro enterprise credit business,which will provide effective support for the risk management of small and micro enterprise credit business of postal savings bank.The subject of this paper is the risk assessment of small and micro enterprise credit business of postal savings bank.The first step is to review a large number of relevant literature at home and abroad,classify different conclusions and results,and extract relevant theories as the theoretical basis of the research.Then,taking postal savings bank as the object,the credit business of its small and micro enterprises was investigated,including the organizational structure of the bank,the credit scale of small and micro enterprises,product types and their characteristics,to provide data support for the risk analysis and cause summary of the credit business of small and micro enterprises of postal savings bank.On this basis,through the information asymmetry theory,enterprise life cycle theory and comprehensive risk management theory,this paper conducts a qualitative research on the credit business risks of small and micro enterprises of postal savings bank,and summarizes the causes of the risks.Finally,the Logistic regression model was built to determine the credit risk evaluation index of small and micro businesses of postal savings bank.Combined with the data of postalsavings bank over the years,the evaluation of credit risk,operational risk and liquidity risk of the credit business of small and micro businesses of postal savings bank was completed.In this paper,it is proposed to apply big data to small and micro credit risk control,optimize small and micro credit business model with the help of big data technology,update credit risk control means,and enhance credit risk management level.