| As an important foundation for national economic and social development,small and micro enterprises play an irreplaceable role in ensuring employment,improving people’s livelihood,increasing income and promoting innovation.However,due to the imperfect financial system,untimely information exchange,low operating level and small scale,weak credit concept and other characteristics,the survival situation of small and micro enterprises is worrying,and the problem of financing is particularly prominent.In addition,due to the low degree of financial transparency and poor operational robustness of small and micro enterprises,the credit risk of small and micro enterprises has become the focus of more and more attention.Since 2020,due to the impact of the epidemic and the downward trend of the domestic economy,the survival of small and micro enterprises has become more difficult,and the problem of credit risk has become increasingly serious.As one of the most important links in credit risk management,credit risk assessment has a direct impact on the business stability of commercial banks.Compared with international and domestic advanced large banks,the scientific nature and completeness of H BANK ’s credit risk assessment system need to be further improved.In view of the problems existing in the credit risk assessment of small and micro enterprises of H BANK,such as poor quality of financial report data collection,single evaluation index dimension and too subjective index weight setting,this paper constructs the credit assessment index system of small and micro enterprises of H BANK,including more dimensions such as tax records and personal credit investigation,and carries out logistic regression analysis based on the loan data of small and micro enterprise customers of H BANK,The relationship between each index and default probability is converted into credit score.By setting the score of each characteristic variable,the credit score card of small and micro enterprises of H BANK is constructed,so as to carry out risk control more intuitively and effectively,and solve the defects of H BANK in credit risk assessment to a certain extent.Finally,combined with the results of quantitative analysis,this paper puts forward methods and measures to improve the credit risk evaluation system of H BANK from the perspective of evaluation index system,evaluation process,evaluation methods and evaluation personnel organization,including integrating multi-dimensional data,establishing a unified data scheduling service platform,introducing anti fraud rules and credit scoring model,adjusting credit approval strategy Improve modeling technology and strengthen the professional level of appraisers.The improvement measures of the credit risk assessment method and assessment system proposed in this paper will help to enhance the risk prevention and control ability of H BANK and strengthen the implementation of the government’s inclusive financial policy. |
