Research On Optimization Of Risk Evaluation Index Of Small And Micro Businesses Of Bank C Nanjing Branch

In recent years,according to data released by the National Bureau of Statistics,China’s GDP growth rate has declined year by year from 10.64 percent in 2010,and the GDP growth rate in 2018 was only 6.6 percent.In terms of financial taxation in China at the present stage,small and micro enterprises have made an important contribution,accounting for more than40% of the national tax payment.Meanwhile,they have played an important role in reducing the burden of employment,invigorating the urban economy,meeting the growing material needs of the people,optimizing the national industrial layout and increasing fiscal income.In March 2019,the State Council issued a notice requiring commercial banks to improve their support for small and micro enterprises.According to the national policies,Nanjing Branch of Bank C vigorously supports the development of small and micro enterprises.Throughout the business development data of C Bank Nanjing Branch in recent years,it can be found that in the process of continuous business development,the non-performing loan rate of small and micro enterprises has been increasing year by year.In this context,the credit risk assessment system of Nanjing Branch of Bank C is deeply discussed in the hope of contributing to the improvement of risk management of small and micro enterprises of Nanjing Branch of Bank C.This paper takes the Nanjing Branch of Bank C as the research object and puts forward the optimization of the risk assessment index system for small and micro enterprises of the Nanjing Branch of Bank C.First,the paper introduces the research background and significance of this paper.Second,through the related theory of risk management and credit risk evaluation theory is narrated and analyzed to provide theoretical basis for this paper.Thirdly,this paper introduces the current situation of C Bank Nanjing Branch’s loans to small and micro enterprises,and the status quo and problems of risk assessment for small and micro enterprises.Fourth,the use of expert interview method and analytic hierarchy process(ahp),in combination with the practical situation of the C bank,from the enterprise actual control,physical control assets situation and situation of actual controllers credit,enterprise credit,enterprise management situation,enterprises and grant nobuyuki cooperation degree,enterprise growth information the seven aspects to build the risk evaluation system.Finally,a typical case is selected to verify the effectiveness and generality of the credit risk evaluation system,and some suggestions are put forward to improve the risk evaluation index system.This paper tries to combine theoretical analysis with practical cases,static analysis with dynamic analysis in the process of discussion.This paper hopes to contribute to the establishment of a suitable credit risk assessment system for small and micro enterprises in the Nanjing Branch of Bank C.