Research On Credit Risk Evaluation Of Small And Micro Enterprises In C Rural Commercial Bank

In the context of the government's vigorous implementation of the "mass entrepreneurship and innovation" policy,small and micro enterprises have continued to develop and become the most dynamic component of socio-economic development.In recent years,China's macroeconomic situation has continued to decline,"financial disintermediation" has continued to increase,and the target customers of commercial banks have gradually declined.The credit business of small and micro enterprises has become a "blue ocean" for China's commercial banks.However,small and micro enterprises generally have problems such as irregular management and high operating risks,making their credit businesses potentially latent.With the increase in the credit business volume of small and micro enterprises,the non-performing loan ratio of commercial banks has also increased.The main reason for this phenomenon is that most of China's commercial banks are rated by large and medium-sized enterprises.Development is relatively lagging.This will not only hinder the development of small and micro enterprises,but also increase the credit risk of commercial banks.Therefore,establishing a practical credit risk evaluation system for small and micro enterprises to achieve the common development of small and micro enterprises and commercial banks has become an urgent issue for commercial banks in China.In this paper,the research object of C rural commercial behavior is focused on optimizing the existing credit risk evaluation system of C rural commercial banks.it focuses on optimizing the existing credit risk evaluation system of C farmer's bank.First,it discusses the definition of small and micro enterprises,the theory of credit risk evaluation,and the method of credit risk evaluation,which lays the theoretical foundation for the full text.Secondly,combined with the analysis of the status quo of credit risk evaluation of small and micro enterprises by C rural commercial banks,the problems existing in the credit risk evaluation of small and micro enterprises by C rural commercial banks are summarized.In response to these problems,optimize its credit risk evaluation system: 1)select four financial indicators and six non-financial indicators to build a credit risk evaluation system for small and micro enterprises;2)use expert scoring and fuzzy tomography analysis Method to determine the index weight;3)For financial indicators,compare the financial data of the evaluated enterprise with the upperand lower limits of the industry data to obtain a dimensionless value,and then compare the weighted synthesis to obtain specific scores;4)for non-financial The index is quantified by the fuzzy mathematical evaluation method to calculate the non-financial index score;5)According to the scores and weights of the two indicators,the comprehensive credit score of the enterprise is calculated,and the credit rating of the evaluated enterprise is judged with reference to the established credit risk evaluation registration form,so as to make a decision on whether the credit business of the enterprise is granted.In order to verify the effectiveness of the improved evaluation system,in Chapter 5,the target customers are selected,and the credit risk of the target customers is evaluated using the improved evaluation system,which verifies the effectiveness of the improved evaluation system.Finally,relevant suggestions were made to improve the credit risk evaluation system for the bank's small and micro customers.