Research On Optimization Of Credit Risks Of Medium Or Small Sized "P.F.S.N." Enterprise In RZ Bank

Recent years,the concept of "Professional,Fining,specialized,Novel Enterprise"(short for "P.F.S.N." enterprise in following contents)becomes hot topic gradually,it appears in various policy document frequently.The Government Work Report of 2022 involves "P.F.S.N." enterprise for the first time,the Report pinpoint:"to breed ’P.F.S.N.’ enterprise vigorously,offer support in aspects of Capital Talent and Platform etc.”Supporting "P.F.S.N." enterprise has been Chinese characteristic industrial policy,it’s regarded as key handle to response the Big Changes of Century and achieve technology break to fulfill innovation upgrades.Shandong provincial government enacts and issues diverse documents to guide financial organizations to enhance credit supports for "P.F.S.N." enterprise,which have obtained effects to some extent.Most "’P.F.S.N." enterprise are under medium or small size and in the process of expansion,having weak anti-risk ability,short cash flow and un-efficient collateral,which lead to risk increase of bank who loans to "P.F.S.N." enterprise.Therefore,how to manage credit risks well and reduce possible financial losses while enhancing credit support to "P.F.S.N." enterprise,this is an urgent problem to solve for RZ Bank.The article clarifies qualifications,current situations,characters and financing condition for "P.F.S.N." enterprise as well as consults related literature on credit risk management,and then concludes credit risk characters of medium or small sized enterprise.In the following,the article discovers and analyzes credit conditions and existing problems for "P.F.S.N." enterprise of RZ Bank via questionnaire and field research,based on Overall Risk Management Theory,Life Circle Theory and Information Asymmetry Theory.Next,it establishes credit risk evaluation index system through selecting qualitative and Quantitative index,conducts credit risk factors recognition positive analysis with Probit Model and Logistic Regression Model,in order to filters key risk factors that influence credit risk change of"P.F.S.N." loaning.At last,aiming at these factors,the article proposes credit risk management optimization schemes for "P.F.S.N." loaning towards pre-loan,on-loan and post-loan.The schemes includes reinforce audit on financial statement reality,enhance survey on "P.F.S.N." qualifications,form supervision mechanism on"P.F.S.N." loan capital.Meanwhile,a series of suggestions are raised for RZ Bank to ensure to execute the schemes successfully,such as risk governance framework,product research,service innovation,personnel training and authorization management etc.The article makes some practical significance to improve "P.F.S.N."loan risk management ability for RZ Bank as well as for peers.