Research On The Design And Application Of Credit Risk Early Warning System For Smalland Medium-sized Enterprises In M Bank

With the continuous development of China’s financial reform and opening up,a variety of financial products emerge in endlessly,and the importance of financial risk prevention and control work is increasingly prominent.As an important part of China’s economic construction,small and medium-sized enterprises are faced with such problems as weak capital,small scale,insufficient competitive strength,insufficient anti-risk ability and imperfect management mechanism,which generally lead to higher credit risks for smes than for large enterprises,thus increasing the pressure of bank credit risk assessment.How to improve the work efficiency of bank credit risk assessment and establish a set of effective risk early warning system are very important to the risk control,profit and operation safety of bank.This external related risk theory and risk early warning theory at home and abroad,on the basis of M bank,for example,to analyze its in small and medium-sized enterprise credit risk management problems,and then based on efficacy coefficient method and analytic hierarchy process and grey prediction method to build the M bank of small and medium-sized enterprise credit risk early warning system,and finally develop early warning system for application of safeguard measures.The main purpose of this paper is to study how to carry out effective risk early warning,so as to help Banks to find early,early prevention,control sme credit risk.In this paper,the conclusion is as follows:(1)M Banks credit business of small and medium-sized enterprises to improve the profit,but risk management still exist many deficiencies,including management does not reach the designated position,risk control system is not perfect,professional credit personnel is not strong,etc.,these problems restrict the further development of the small and medium-sized enterprise credit risk business.(2)in this paper,the research process through the grey prediction method,the efficacy coefficient method,the use of analytic hierarchy process and three kinds of methods,jointly set up the effective control of M bank of small and medium-sized enterprise credit risk early warning system,at the same time through the application of this system show that the system can not only realize the bank for smalland medium-sized enterprises credit risk quantitative assessment,can also be for the next M bank of small and medium-sized enterprises to provide early warning of credit risk,thereby reducing the probability of small and medium-sized enterprise credit risk appears.(3)in order to ensure the paper construct the small and medium-sized enterprise credit risk early warning system,this paper mainly from ensure professional talents,introduces the innovation of credit risk management technology,perfect the enterprise credit evaluation standard,optimization of bank credit risk management system,and improve enterprise risk management consciousness Angle of targeted preventive measures are put forward.