Overdue Risk Rating System Optimazation For Mortgage Loan Business Of Small & Micro Enterprise In G Bank

Small and micro enterprises are an indispensable and important component of China’s market economy,and are a significant enterprise cluster promoting technological innovation,stimulating economic growth,and providing employment opportunities.The People’s Bank of China and the China Banking and Insurance Regulatory Commission have successively issued a number of policies requiring commercial banks to provide inclusive finance with stronger support,among which increasing the supply of credit for small and micro enterprises is an important aspect and the credit funds of commercial banks are required to actively support the real economy.Implementing fee reduction and transferring profit to small and micro enterprises,improving the rate of getting loans and increasing the ratio of initial loans are included in the assessment indicators for commercial banks.In this context,commercial banks have actively promoted the small and micro credit business as a key work of inclusive finance,and the lending to small and micro enterprises has shown "increasing in volume,expanding in scope,and decreasing in price".This thesis takes the optimization of the overdue risk rating system for small and micro enterprise mortgage loans as the research topic,and uses financial risk management theory,credit risk management theory,and Basel III as the theoretical basis.Based on the historical loan performance data,using Logistic regression model and Python,this article proposes the existing problems of the current overdue risk rating system,analyzes the reasons of the problems,and then proposes optimization goals and ideas,constructs an overdue risk rating system with perfect risk indicator,scientific risk weightings and quantitative rating results.In combination with the management objectives of overdue risk and the business processes in the mortgage loan business of small and micro enterprises,the implementation plan and safeguard measures for optimizing the overdue risk rating system are proposed.The research results of this thesis show that the optimized overdue risk rating system has significant effects,realizing accurate measurement of overdue risk.The rating results are highly differentiated and accurate,effectively compensating for the shortcomings of the original rating system in terms of low accuracy and inability to quantify overdue risk,reflecting the advantages of scientificity,practicality,and reliability.The optimization of the overdue risk rating system has effectively improved the management level of the overdue risk of the small and micro enterprise mortgage loan business of G Bank,achieving the full-process risk management objectives of accurate identification,scientific quantification,and effective monitoring,providing an important management tool for the effective management of the overdue risk of the small and micro enterprise mortgage loan business.