Research On Credit Risk Evaluation Of Small And Micro Enterprises In Q City Commercial Bank

As an important participant of our national economy and social development,small and micro enterprises play an irreplaceable role in promoting social economic development and stabilizing employment.However,small and micro-enterprises are small,it is difficult to resist industry fluctuations and financial risks.Since 2020,the outbreak of Covid-19 has impacted small and micro enterprises and spread credit risk.The city commercial banks,which mainly focus on the market orientation of small and medium-sized enterprises,need to explore and establish a credit risk evaluation model to accurately identify the credit risk.The main body of this paper is Q City Commercial Bank,which has been adhering to the idea of"Serving small and medium-sized enterprises" since its establishment,the credit risk evaluation system of small and micro enterprises in the bank has some defects in practice,which is not conducive to the development of credit risk management of small and micro enterprises in the bank.Through the research and analysis,this paper points out that the credit risk assessment of the existing small and micro enterprises in Q City Commercial Bank is not scientific,the main results are as follows:the index setting does not accord with the characteristics of small and micro enterprises,does not perfect the index system according to the epidemic situation,does not pay attention to the growth of small and micro enterprises,does not pay attention to the enterprise risk early warning information,the weight of financial index is too heavy,and the evaluation process is greatly influenced by subjective factors.In view of the existing problems in the evaluation system,this paper reconstructs the credit risk evaluation system of small and micro enterprises in Q City Commercial Bank by adding the indicators of sustainable development and enterprise early warning risk In the setting of the index weight,the proportion of financial indicators will be reduced to 30.44%,more in line with the characteristics of small and micro-enterprises.Then select the sample enterprises to carry on the fuzzy comprehensive evaluation,which proves that the restructured credit risk evaluation system is reasonable and effective for Q City firm.In order to ensure the effective implementation of the evaluation system,this paper puts forward some measures from the aspects of perfecting the credit risk management mechanism of small and micro enterprises,standardizing the management of credit personnel of small and micro enterprises,and strengthening the support of Big Data Information Technology.