Research On Credit Risk Evaluation Of Small And Medium-sized Enterprises In Commercial Bank C

In the "six stability" guideline proposed by the Central Economic Work Conference,the bottom line of "financial stability" is to prevent systemic financial risks and steadily promote the development of the financial market.Commercial Banks are the core financial institutions whose credit risk management quality has a significant effect on the stability of financial markets,especially with the rapid development of small and medium-sized enterprises(SMEs)in recent years and the consequent growing demand for bank credit resources,the credit risk management of SMEs gradually become the focus of commercial bank credit risk management.The credit risk evaluation system,as the basic link of the credit risk management of commercial banks,is directly related to the quality of the credit risk management.Commercial Banks how to use an efficient and convenient SMEs credit risk evaluation system to support reasonable access of SMEs on the premise of strict control of credit risk,strive to achieve the best balance between assisting the long-term development of SMEs in our country and the good credit risk control,is an momentous part of continuous research and iterative optimization for commercial banks.Firstly,on the basis of domestic and foreign literature and related policy documents,this paper summarizes the research status of credit risk evaluation of SMEs in commercial banks,and expounds the connotation of credit risk evaluation of SMEs in commercial banks and the risk characteristics of SMEs.Next,based on the current situation of credit risk evaluation of SMEs in Bank C,this paper analyze its deficiency.Then,this paper use the expert investigation method,group decision,fuzzy analytic hierarchy process(FAHP),the efficacy coefficient method and fuzzy comprehensive evaluation method,through the index of screening,index weighting,to set up the comprehensive scoring system to construct an credit risk evaluation system of SMEs for Bank C.Finally,the constructed credit risk evaluation system is applied to part of the SMEs in Bank C.The results show that a set of systematic credit risk evaluation system of SMEs for Bank C is well constructed,the setting of non-financial index evaluation standard is helpful to prevent major risks and hidden dangers,the constructed credit risk evaluation system can improve the efficiency of credit review,and the constructed credit risk evaluation system can effectively reduce the credit risk of the SMEs in Bank C.Based on this,the following suggestions are put forward:setting up a credit center of SMEs and improve relevant incentive and restraint mechanism,attaching great importance to account monitoring in the post-loan management of SMEs,paying attention to the data support of information construction for credit risk evaluation,and integrating the comprehensive risk management culture into credit risk evaluation of SMEs.The constructed evaluation system can provide a good reference for the credit risk evaluation of the SMEs in Bank C or in other similar commercial banks.