Research On The Improvement Of Borrower's Credit Evaluation Model Of Qinghai Xinhe Micro-loan Company

With the rapid development of China's financial market,China's micro-loan industry has been boomed.Micro-loan companies have grown in full swing throughout the country,providing huge financial support for the development of small,medium and micro enterprises.However,since the main customer groups faced by small loan companies are mostly individual industrial and commercial households,small and medium-sized enterprises,individuals,and farmers who are weak in risk resistance,the resulting credit risk of borrowers has become a very important risk pointa faced by small loan companies.Strengthening credit risk management and properly preventing and controlling borrower credit risk are major difficulties that small loan companies need to overcome,and also an important guarantee for the sustainable and healthy development of small loan companies.This article analyzes the problems and reasons of the credit evaluation of the borrower of Qinghai Xinhe Micro-loan Company,and uses the literature reading and expert interview methods to reset the company's credit evaluation index system.Then based on the expert questionnaire,AHP Analytic Hierarchy Process software was used,which scientifically empowers credit evaluation indicators.After obtaining the credit evaluation indicators and passing the consistency check,a customer credit risk evaluation score sheet for Xinhe Company is constructed.Finally,the credit rating of the borrower had been divided,and the credit evaluation system of the borrower had been optimized.In order to verify the effectiveness of the improved evaluation model,the optimized indicator system was verified through the company's actual business case,and the improved credit evaluation model was proved to be feasible after practical verification.In order to ensure the smoothimplementation of the improvement plan,the thesis proposes safeguard measures for the borrower's credit evaluation improvement plan from the system level and the technical level.The purpose of this study is to improve the credit risk management level of Qinghai Xinhe Micro-loan Company to borrowers,and to provide a reference for the construction of borrower credit assessment models for similar types of micro-loan companies in China.