Study On Credit Risk Assessment And Prevention Of Technology-based Small And Micro Enterprise Of HB Bank

The report to the 19 th national congress of the communist party of China calls for "deepening reform of the science and technology system" and "strengthening support for innovation in small-medium-sized enterprises and promoting the transformation of scientific and technological achievements." Technology-based small and micro enterprise have active innovation ability and are important new force to promote the transformation of scientific and technological achievements.However,due to the short history of the development of Technology-based small and micro enterprises in China and the lack of support,the development of Technology-based small and micro enterprises in China has always not reached the desired effect.Technology-based small and micro enterprises have the characteristics of large capital investment,high technical requirements,high added value and high risk.It is precisely because of these characteristics that it is difficult for Technology-based small and micro enterprises to raise funds and develop.At the same time,the credit business of Technology-based small and micro enterprises has become the focus of high incidence of default risk.In order to promote the smooth financing and innovation-driven development strategy of Technology-based small and micro enterprises,the evaluation and prevention of credit risk has become an important research topic.This paper takes the credit risk of Technology-based small and micro enterprise as the entry point,aiming at promoting the commercial Banks' evaluation and prevention level of Technology-based small and micro enterprise's credit risk.Firstly,this paper analyzes the background and significance of credit for small and micro technology-based enterprises,lists the current research status of domestic and foreign scholars,analyzes and comments on them,and confirms the feasibility and urgency of using WBS-RBS to study credit risks of small and micro technology-based enterprises.Secondly,this paper strictly defines the concept and scope of technology-based small and micro enterprises based on relevant research,and takes risk management theory,principal-agent theory and internal control theory as the theoretical basis of this paper.Again,based on the HB bank technology-based small micro enterprise credit may occur in the process of all kinds of risks and the wholeprocess of commercial bank credit as the foundation,constructs the WBS-RBS risk identification matrix,through expert interview,field investigation method to identify all kinds of risks in technology-based small micro enterprise credit risk,frequency,etc.,technology-based small micro enterprise credit risk evaluation of HB bank.Finally,this paper proposes specific countermeasures to the three types of risks identified by the WBS-RBS risk identification matrix,namely high risk,medium risk and low risk,so as to promote commercial Banks to better evaluate and prevent the credit risks of Technology-based small and micro enterprise.