Research On The Construction Of SME Loan Admission Evaluation Index System Of Industrial Bank Co.,LTD Shenzhen Branch

At present,the optimization and upgrading of industrial structure is an important development trend and direction of China's economic development.The trend of eliminating industries with excess capacity and low-tech value-added enterprises is becoming more and more obvious,which has a particularly significant impact on small and medium-sized enterprises(SMEs)in China.However,the long-term healthy and stable development of small and medium-sized enterprise is significant to China's economic development.In order to support the long-term and stable development of SMEs,the state has also introduced a series of policies and measures,especially the financing of small and medium-sized enterprises.Commercial banks are required to increase the scale and proportion of loans in small and medium-sized enterprises.Therefore,how to meet the financing needs and promote the stable development of small and medium-sized enterprises in China,and effectively evaluate the operation status,repayment ability and risk control of borrowing enterprises have become an important issue in the development and daily management of commercial banks.This paper takes the Shenzhen Branch of Industrial Bank co.,ltd as an example to analyze and study the current situation of SMEs' loan access evaluation.According to the characteristics of SMEs,through questionnaires,analytic hierarchy process and other methods,it screens out indicators that can better characterize the operation and credit status of SMEs,and constructs an evaluation index system that is more in line with the SMEs' loan access of Industrial Bank co.,ltd Bank Shenzhen Branch.It can not only effectively improve the efficiency of commercial banks' loan approval for SMEs,control risks and occupy the market,but also meet the financing needs of SMEs "short,small,frequent and fast".