Research On Credit Evaluation Of SMEs

SMEs are the largest and most innovative group of enterprises in China.For a long time,the Central Party Committee and the State Council have attached great importance to the development of small and medium-sized enterprises.They have successively put forward a series of requirements of enhancing the financial services of SMEs and promoting the development of inclusive finance through "six mechanisms" and "four single principles." However,due to the frequent occurrence of risk-taking activities in SME credit business,the low recovery rate of bad disposals and the small amount of single-household accounts,various commercial banks failed to effectively solve the fundamental problem of financing difficulties and financing for SMEs.The rising costs of financing have made matters worse for small and medium-sized enterprises that have already suffered the severe economic downturn.How to establish a simple and convenient risk evaluation system and optimize the systematic and time-limited credit approval of SMEs in commercial banks,so as to achieve reasonable credit approval and precise delivery of credit on the basis of the coverage risks,is one of the problems faced by commercial banks problem.The article first introduces the concept of SMEs and the definition of standards,and then elaborates the Bank of China S provincial branches of credit policies and existing risk management models,the bank's internal credit risk management problems are analyzed in detail.According to the current problems,the author with many years of experience in the Bank of China S-branch SME lines,based on existing credit analysis methods,to break the original limitations of the evaluation system structure,based on customer manager's pre-loan investigation Operation steps,combined with many years of practical experience of wire experts,from the original screening of more than 200 indicators to form a complete set of credit risk assessment indicators,and through the summary of the views of experts on the line,the formation of the corresponding indicators Through the weight of the form of grading,the establishment of a set of small and medium-sized credit card business systhesis process,simple and convenient risk evaluation system.The system is divided into two parts:the entrance clearance and the evaluation index.The system takes a one-vote veto for enterprises that fail to pass the entry clearance,advances the concept of risk access and strengthens the scenario analysis.At the same time,through qualitative and quantitative indicators In the meantime,in order to improve the operability of the indicator,the selection of this indicator is based on the latest version of the credit extension plan of the Bank of China and the editorial operations.Both the client manager and the due diligent staff Full-time approver,can be better to use,improve the operability of the evaluation method.It not only helps the account manager to quickly understand the proposed credit enterprise,but also serves as a quick judgment criterion for credit risk assessment of due diligence personnel and approvers.After the completion of the evaluation system,I selected a representative food manufacturing company SHJ company case analysis,calculation of the indicators,scoring,the final conclusion,and for the lower scores of the project was highlighted,further Verify the effectiveness of the credit risk assessment system.Finally,according to the analysis results in the process of establishment of risk assessment system,the article analyzes the existing problems of S Branch of Bank of China and puts forward solutions.For the problem that the risk appetite is not uniform,the credit risk evaluation system can be set up to approve and approve gradually the gradual settlement of the credit risk assessment system.At the same time,the Bank can improve the whole process control of credit business,including but not limited to strengthening scenario analysis,adjusting credit structure,Of course,personnel,institutions,assessment issues can not be ignored,we must strengthen the construction of the customer manager team to enhance professional quality,strengthen the institutions Differentiated management,continuous improvement of management mechanism,improvement of assessment incentives,and continuous optimization of risk management system to enhance SME business development.