| By the end of 2018,there were about 28 million legal persons of small and micro enterprises in China,and more than 65 million individual businesses,accounting for more than 90%of all market entities.The development of small and micro enterprises is not only conducive to the growth of national economy,promoting social stability and development,but also related to the people’s livelihood.However,compared with large and medium-sized enterprises,the financing of small and micro enterprises is particularly difficult.Based on the literature review and relevant business background,this paper analyzes the current situation and historical evolution of domestic small and micro enterprise loans.Based on the data of bank X’s small and micro enterprise loans,this paper studies the characteristics of small and micro enterprises’ current loans and their own credit business needs,combs the access mechanism of bank x,and combines with economic policies and other scholars’ credit evaluation of different industries After sorting out the index system,it is proposed to initially construct four first level indicators:Solvency Index,profitability index,operational capacity index and development ability index,and set 18 secondary indicators as the credit evaluation index system suitable for small and micro enterprises.This study uses the relevant theory of credit rating and data analysis to find the problems existing in the current credit evaluation system of bank X And improvement countermeasures and suggestions.The research ideas of this paper are:firstly,through literature review,secondly,the current situation analysis of bank X’s small and micro enterprise credit evaluation system,thirdly,the improvement ideas and methods of bank X’s small and micro enterprise credit evaluation system,and then the feasibility analysis of bank X’s small and micro enterprise credit evaluation system,and finally put forward relevant suggestions.The first chapter of this paper expounds the background of credit evaluation of small and micro enterprises,and clarifies the research ideas and research methods.In the second chapter,the related concepts and theories are elaborated,and the theory used in our analysis is elaborated,which provides a research basis for the following analysis of the problems existing in the credit business of small and micro enterprises of bank X and the improvement methods.The third chapter,based on the development mode of bank x,combs the small and micro credit business of bank x,and finds out the problems existing in the credit evaluation of bank X’s small and micro loan business.The fourth chapter puts forward the improvement ideas and methods for the problems mentioned in the third chapter,improves the main part of credit evaluation of small and micro credit business,and further perfects the current evaluation index,so we adopt scientific selection principle and comprehensive evaluation method.Four first-class indicators and 18 second-class indicators were selected and fully explained.In the fifth chapter,we use spss.25 system to verify the feasibility of the selected indicators.We select 150 sample indicators from the business data for factor rotation,select four common factors,and get the factor analysis formula,and name the common factor.Finally,the common factor is put into the logit regression model,and the conclusion is drawn.In the sixth chapter,we discuss the implementation guarantee of the credit evaluation system improvement of bank X’s small and micro enterprises credit business.Through the improvement of the existing problems,we can promote the small and micro enterprise credit business of bank x to get more income.The seventh chapter summarizes the full text and lists the deficiencies of the research,and gives suggestions on the credit business of small and micro enterprises and banking enterprises. |
