Research On The Optimization Of The Credit Risk Evaluation For Small And Micro Enterprises Of Bank Of GSYH Jinchang Sub Branch

Small and micro enterprises play an important role in China’s economic development.In recent years,due to the impact of the epidemic and various international events,the global economy has declined.The Party Central Committee and the State Council attach great importance to the development of small and micro enterprises,and have issued a number of policies to support them.As a financial institution,banks have the responsibility and obligation to support the real economy,solve financing problems for small and micro enterprises,and help them continue to move forward for the better.At the same time,because small and micro enterprises have their own problems such as poor operational capabilities,chaotic financial management,lack of emphasis on credit,and information asymmetry with banking institutions,it is necessary for banks to use more scientific and feasible risk assessment methods to evaluate the potential credit risks of small and micro enterprises in order to support the development of small and micro enterprises with controllable risks and obtain loan funding support.This article takes Jinchang Branch of Bank of GSYH as an example to sort out the current situation of credit risk evaluation and management of small and micro enterprises,summarize and deeply analyze the existing problems in Jinchang Branch’s risk evaluation,using questionnaire survey,literature research,and empirical modeling research methods,including credit risk identification,risk evaluation indicators The risk evaluation model optimizes the existing problems in the current credit risk evaluation of small and micro enterprises in Jinchang Sub-branch from three aspects,further improving the evaluation and management capabilities of credit risk of small and micro enterprises in Jinchang Sub-branch.Firstly,in the paper,the shortcomings in risk identification should be improved.For example,attention should be paid to the important impact of risks such as business income,business stability,and external environment on the credit risk of small and micro enterprises.Secondly,summarize the current domestic research on credit risk evaluation indicators,and improve and supplement the credit risk evaluation indicators of Jinchang Sub-branch.Finally,establish a binary Logit model to construct a credit risk evaluation model for Jinchang Branch of Bank of GSYH based on eight risk evaluation indicators: the number of loan banks,asset liability ratio,revenue corresponding cash flow,sales revenue growth rate,controller asset liability ratio,controller overdue times,small and micro enterprise overdue times,and small and micro enterprise renewal times The implementation guarantee measures for optimizing the credit risk evaluation of small and micro enterprises are proposed from the three aspects of technology,enabling Jinchang Bank of GSYH Bank to improve its risk identification and evaluation capabilities while expanding the loan business of small and micro enterprises,and also providing reference for credit risk evaluation of other local commercial banks in China.