Study On Credit Risk Assessment Of Small Enterprises

Small and micro enterprises play an important role in China’s national economy,which is an important basis for the development of national strength and social development.However,compared with large enterprises and state-owned enterprises,small and micro enterprises have many problems in management mode,financial system and other aspects.At present,the credit of small and micro enterprises has become an important adjustment direction of business transformation of commercial banks in China,but the risk of small and micro credit business is also increasing gradually,especially because of the inaccuracy of credit risk assessment.At present,the evaluation object of commercial banks is generally large and medium-sized enterprises.The small and micro credit rating system is adjusted on large and medium-sized enterprises and has been developing and exploring.How to establish a practical credit risk evaluation system for small and micro enterprises has become an urgent problem in our commercial bank system.This paper analyzes the problems existing in the current credit risk assessment of small and micro enterprises based on the Z-score behavior research object.Combined with the existing credit risk assessment theory of small and micro enterprises,in-depth combined with the fuzzy comprehensive assessment method,fuzzy AHP method,quantitative research and qualitative research methods,it designs the credit risk assessment index of small and micro enterprises’ loan characteristics Standard system.In view of the problems in the credit risk evaluation of small and micro enterprises,the credit risk evaluation system of small and micro enterprises is constructed.Combined with financial factors and non-financial factors to build the model,it can be divided into two-level and three-level indicators.By selecting three levels of indicators to establish the credit risk evaluation system of small and micro enterprises,the credit risk of small and micro enterprises is comprehensively evaluated.Through the fuzzy analytic hierarchy process to determine the weights of financial indicators and non-financial indicators,to make a comprehensive evaluation of the fuzzy,and then calculate the comprehensive evaluation score and the small and micro business score set to determine the level.Finally,the paper analyzes the application of the credit risk evaluation system,which proves the feasibility of the credit risk evaluation system to a certain extent.And put forward the corresponding measures which are suitable for the credit risk evaluation system.