Research On Loan Risk Assessment For SMES From X Bank Of China

Small and medium-sized enterprises as the total number of China's enterprises accounted for the biggest,working with the largest population group,has been developing since its important battleground is the revitalization of China's economic and employment,especially in recent years,the Chinese government introduced a series of policies to help the development of medium and small and micro enterprises,but also see in the future for a long time,the rapid development of small and medium-sized enterprises will strongly support the sustained growth of economy in our country.However,the effective financial support of small and medium-sized enterprises has always restricted the growth of small and medium-sized enterprises.At the same time,commercial Banks,as the most powerful channel of financial support,have always regarded the improvement of financial services of small and medium-sized enterprises as the business content of key development in recent years.Therefore,there is a contradiction between the development of the financial service market of small and medium-sized commercial Banks and the risk of financing loans of small and medium-sized enterprises which are greatly influenced by the external environment.Therefore,this paper conducts risk assessment and countermeasures research on this issue.To correctly define the characteristics of the object of service enterprises,the article first defined in view of the small and medium-sized enterprises of domestic and international,are analyzed,and the quantitative and qualitative definition between the advantages and disadvantages are discussed,which in turn may adopt for domestic small and medium-sized enterprise financing channel characteristics analyzed,pointed out that commercial Banks at present to give small and medium-sized enterprise development funding and being flexible service content;Under the above background,based on a large number of small and medium-sized enterprise financing the increase of loan applications and currently USES the means of evaluation,found that the contradiction between mass and limited application personnel,so based on rough sets,this paper proposes a risk assessment to larger reduce initial small and medium enterprises of the initial model,according to the performance evaluation of state-owned capital rules as well as the performance evaluation of enterprise operation details(amendment)selected eight basic evaluation index,and refining the parameter values for the parameters,the obtained under the different parameters of risk parameters decision rules;With the support of rough set model,this paper introduces empirical cases and conducts case analysis under the financial business rules of small and medium enterprises in xi 'an branch of X bank.Through theoretical research and empirical analysis,the article finally,in view of the current small and medium-sized enterprise financing loans to further complete the assessment in the process of risk assessment and improve the efficiency of evaluation content,the countermeasures and Suggestions to perfect the small and medium-sized enterprise financing loan services,for commercial Banks,more efficient service for small and medium-sized enterprises,support the local economy,reduce operating risk,etc.,provides a certain theoretical and case support.