Research On Credit Rating System Optimization Of Small And Micro Enterprises In Z Bank

Small and micro enterprises are the most vibrant group in the market economy.More than 90%of the new market players are small and micro enterprises every year,and small and micro enterprises have always played an important role in promoting innovation and entrepreneurship,absorbing employment and prospering the economic market.Moreover,China has been committed to poverty alleviation in poor areas,and small and micro enterprises have also played a great role in improving income and reducing poverty.However,the sudden epidemic has brought a huge blow to the already sensitive and vulnerable small and micro enterprises.The state has also actively issued corresponding policies to require banks to provide credit capital support to small and micro enterprises,such as setting indicators such as loan growth rate of small and micro enterprises for financial institutions Financial institutions are required to increase the proportion of "first loan households" in loans to small and micro enterprises,so as to escort the financing of small and micro enterprises and help the development of small and micro enterprises.As a large state-owned bank,Bank Z responded to the call of the state and actively invested in loans for small and micro enterprises.However,the "Sports" loan investment has brought a large number of non-performing loans to small and micro enterprises.Therefore,how to invest the limited credit resources into high-quality small and micro enterprises that focus on their main business,have real capital needs and have certain development potential is a problem that Z bank needs to solve.Credit rating is a prediction of default probability of enterprises in the next year.Credit rating is also the initial judgment for the access of small and micro businesses.Therefore,the quality of credit rating results can significantly improve the efficiency and quality of pre loan investigation.Based on the research of information asymmetry theory and transaction cost theory,combined with the operation characteristics of small and micro enterprises and the characteristics of defaulting customers of bank Z in recent three years,this thesis combs the rating elements in the credit rating system of small and micro enterprises by using expert judgment method,and improves and optimizes the index weight by analytic hierarchy process,Finally,through the case of a small and micro enterprise,the new and old credit rating results are obtained,and the new rating results are more in line with the actual situation of the small and micro enterprise.The optimization of the new credit rating system is mainly divided into the optimization of qualitative indicators and early warning signal indicators.It innovatively analyzes and sorts out the bad small and micro enterprises of bank Z in recent three years,summarizes the risk commonalities of bad small and micro enterprises,and summarizes the key factors that should be considered in credit rating,which should be included in the core qualitative indicators.In addition,combined with the current situation of COVID-19 normalization and the support attitude of the state to small and micro businesses,the early-warning signal indicators and external support indicators have been optimized,and the adjustment rules of early-warning signals have been improved.