Research On The Credit Risk Evaluation System Of R Bank’s Small And Micro Enterprises In The Period Of Epidemic Normalization

In the first three months of 2020,the impact of the COVID-19 has become more and more extensive.The isolation between different regions,the extension of vacation time,the obstacles to the return of personnel to work,the significant decline in logistics efficiency and other issues have occurred at the same time,which is a very serious challenge for small and micro enterprises.In view of the existence of this phenomenon,the central and local governments have issued many policies to support the development of small and micro enterprises in the financial sector,so as to ensure that the company can maintain stable development,employment will not be significantly affected,and help small and micro enterprises solve a series of problems encountered.At present,due to the economic downturn,the source of financial funds has changed significantly,and the form of provision is no longer limited to banks.This has further intensified the business pressure on banks.In order to break through this situation,banks have adjusted their own strategies based on the actual situation and paid high attention to the credit business of small and micro enterprises.However,because the former credit business objects were mainly large and medium-sized enterprises,the credit level of small and micro enterprises could not meet the needs of banks.Therefore,the credit evaluation of small,medium-sized and micro enterprises is an urgent problem to be solved in China’s banking industry.To adapt it to the current economic development,we must establish a sound credit evaluation system for small and medium-sized enterprises.This study took Bank R as an example to study the credit risk rating of small,mediumsized and micro enterprises in the context of the normalization of the epidemic situation and in view of the current situation and relevant policies.To establish a feasible evaluation system for how R Bank evaluates the credit of small and micro enterprises,when selecting the evaluation indicators and establishing the evaluation system,the Delphi method is mainly used to select the credit risk evaluation indicators,and the AHP analytic hierarchy process is used to calculate the weight of the credit risk evaluation indicators.According to the evaluation results,the profitability,operating ability,solvency The financial situation of small and micro enterprises is measured by indicators such as the ability to make progress,and the corresponding weights are given to various indicators through the analytic hierarchy process.The weight of non-financial indicators is increased,and the corresponding financial indicators are also reduced.Finally,the efficiency coefficient method is used to measure the financial indicators of enterprises,and the expert scoring method is used to evaluate the non-financial indicators,and it is applied to specific enterprises to better reflect the actual situation of enterprises.In addition,scientific and reasonable preventive measures need to be taken when operating the credit risk index evaluation system.Only when the scheme is fully implemented can it provide high-quality services for banks and companies.This study believes that Bank R can improve it from the following aspects:improving the existing organizational structure of credit risk assessment,establishing a special risk assessment system while ensuring the implementation of relevant systems,adjusting the existing credit risk assessment process to ensure efficiency,and establishing a credit risk assessment method that is consistent with the actual situation.In this paper,when analyzing the credit risks of such enterprises,the analytic hierarchy process is scientifically and reasonably used to evaluate the loan risks.Based on the financial and non-financial indicators,the credit risk evaluation model is established and the credit risk evaluation registration form is determined.In the design of this system,the use of financial data to assess the credit risk,at the same time calculate the non-financial index score,design the bank’s current use of small and micro enterprise credit risk assessment method,so that similar enterprises can have a basis for related work.