Research On Credit Risk Of Inclusive Finance Of Commercial Banks

Supporting small and micro enterprise credit is an important direction of the national financial policy at this stage.Small and micro enterprise credit has also made great progress.At present,many commercial banks have launched various specific measures specifically aimed at the development of small and micro enterprises.However,with the vigorous development of the credit business of small and micro enterprises,the problem of credit risk is also constantly emerging.In particular,the problems caused by the internal rating system under the assembly line operation mode set up for small and medium-sized enterprises and the scoring card project setting under the scoring card mode have gradually been paid attention to.This article first analyzes the current status of credit risk assessment for small,medium and micro enterprises in the banking business,and establishes a risk assessment indicator system covering multiple aspects and multiple levels.Through systematic analysis,an analytic hierarchy process that can support comprehensive decision-making is adopted to weight the indicators.Calculated and analyzed the main indicators affecting credit risk,and reached some conclusions that can be referred to.The key goal of this article is to use the analytic hierarchy process to reconstruct the credit rating system of small and micro enterprises,and to improve the credit risk rating system of a bank’s small and medium enterprises from multiple dimensions and factors,so as to reduce credit risk and reduce credit risk,and provide reference for other scholars’ research in the future.