Researal On The Calculation Of Credit Line For Small And Micro Enterprises

The number of small and micro enterprises in China has increased year by year,since the reform and opening up.Small and micro enterprises have become an important part of the national economy.It have made tremendous contributions to China's GDP,taxation,and urban employment.However,compared with the social value created by small and micro enterprises,the resources they obtain from financial institutions are significantly less.At the macro aspect,government attaches great importance to the healthy growth of small and micro enterprises,issued a number of policies to encourage commercial Banks to provide financial services to small and micro businesses,to ensure that small and micro businesses have a steady flow of financial support in their daily operations.At the same time,commercial banks have begun to attach importance to the micro-finance market and have taken credit granting business of small and micro enterprises as their new strategic business development direction.In order to control the credit risk of small and micro enterprises in a tolerable range,it is necessary to calculate the credit line of small and micro enterprises in a scientific and reasonable way,which can not only maximize the interests of Banks,but also improve the sustainable development of small and micro enterprises,thus promoting the national economic development.In this paper,it combines empirical analysis and theoretical analysis to study the measurement of credit line of small and micro enterprises by commercial Banks.In the part of theoretical analysis,firstly,it expounds the connotation of credit and credit management.Secondly,the existing theoretical framework of credit management of commercial Banks is sorted out.Then,it summarize the domestic and foreign literatures from the credit rating and credit line.In the empirical analysis section,first,considering the characteristics and the credit risk of small and micro enterprises,putting forward the principles that should be followed in constructing the credit rating system of small and micro enterprises.According to these principles,the credit rating indicators of small and micro enterprises are selected.Using analytic hierarchy process to determine the weight of the credit rating indicators,and using fuzzy mathematics comprehensive evaluation method to divide the credit grade.To prove that the credit rating system of small and micro enterprises achieves the expected effect by case analysis.Secondly,based on the operating conditions and credit ratings of small and micro enterprises,a model for measuring the credit line of small and micro enterprises was established.Based on the comprehensive credit quotas of small and micro enterprises in commercial banks,the correlations between the parameters were analyzed,and the parameters were converted and multivariate was constructed.The non-linear regression model enables the credit line to reduce the credit risk of commercial banks while guaranteeing the credit granting services to small and micro enterprises.Through actual data,case studies are performed on the calculation model constructed in this paper to test the practicability of the model.Finally,the paper analyzes the obstacles in the application of commercial banks in small and micro enterprises credit rating system and credit limit measurement model,and puts forward suggestions for strengthening commercial bank credit management.This paper puts forward the credit rating system and credit calculation model for small and micro enterprises,it will help improve the efficiency of commercial banks in granting credit to small and micro enterprises,and thus increase the competitiveness of commercial banks in the field of small and micro financial services.It provides a theoretical basis for banks to improve the credit management level of small and micro enterprises and control the credit risk of small and micro enterprises.It has strong practical significance.