Research On Enterprise Customer Credit Evaluation Index System Of Y Small-loan Company

With the continuous development of China financial system and the continuous opening of the economy,under the background of the increasing difficulty of private enterprises relying on bank loans,small loan companies for private enterprises emerged all over the country.These micro-loan companies are facing various risks in the loan business for private enterprises.Credit risk is a very important part of them.How to control the credit risk of micro-loan companies within a reasonable range has become one of the important tasks for local governments to stabilize economic development.Aiming at the problem of credit evaluation index system for Y microfinance company’s customers,based on the previous research,this paper analyzed the definition,causes and characteristics of credit risk,combined with some characteristics of Wenzhou enterprises,analyzed the current situation of credit evaluation index system of Y microfinance company,and applied it on the basis of the principles of purpose and operability.Expert investigation method and correlation analysis method are used to design a set of credit evaluation index system for Y microfinance company,which combines quantitative and qualitative evaluation.Then,based on expert interviews and AHP analytic hierarchy process,the paper assigns the weight of each influencing factor in the credit evaluation index system designed,and divides the index into standards,and establishes the evaluation form.Finally,the complete credit evaluation index system of Y microfinance company is obtained.Then through the actual business of Y Microfinance Limited,the feasibility of the system is tested.Through the customer situation of 22 enterprises,the scores of each enterprise are scored one by one,and compared with the actual business situation.The feasibility of the above system is verified by the degree of consistency between the two.After verification,it shows that this set of evaluation index system of enterprise customer credit of Y microfinance company designed in this paper is operable and accurate in practice.Finally,it makes operational suggestions on the credit evaluation index system of Y microfinance company,and optimizes it from three perspectives: pre-investigation,in-process evaluation and post-loan management.Finally,according to the actual situation of a customer,it carries out case application.The research results of this paper have certain guiding significance and reference value for the credit evaluation index system of enterprise customers of microfinance companies in the future,especially for Wenzhou microfinance companies.In other microfinance companies designing credit evaluation index system,we can use the method of this paper to design,so as to get a set of microfinance suitable for local microfinance companies.The credit evaluation index system of the company.