Research On Credit Risk Control Of Small And Micro Textile Enterprises In Changle District Of Fuzhou City

Small and micro enterprises are the largest and most dynamic group of enterprises.They are the important foundation of China’s real economy and play a very important role in economic development.China attaches great importance to the healthy development of small and micro enterprises,and has issued policy documents many times,emphasizing that financial institutions should increase the amount of credit for small and micro enterprises.China’s textile industry is the pillar industry of the national economy,and plays an important role in increasing the employment rate of the people and prospering the market economy.Under the influence of the new crown pneumonia epidemic,the operation of small and micro textile enterprises has been impacted to a certain extent,and they need strong policy support from the state and relevant government departments.The operational risks have increased dramatically in the small and micro textile enterprises,as the result of the slowdown in the global economy and shrinking market demand,coupled with the fact that small and micro textile enterprises themselves have incomplete information disclosure and low credit rating,making it impossible for commercial banks to accurately assess the financing risks of small and micro textile enterprises,so it is difficult to make a reasonable evaluation and take the corresponding risk control measures.Based on the abovementioned situation,this paper takes small and micro textile enterprises in Changle District of Fuzhou City as the main body of study,and collects relevant data by means of questionnaire survey,field survey and other research methods,combining with the reality of local industry,using analytic hierarchy process(AHP),this paper constructs a set of financing risk evaluation index system which covers financial risk,business risk,industry risk,financing risk and guarantee risk,this paper probes into the credit risk control of small and micro textile enterprises in Changle District of Fuzhou City,and puts forward the corresponding countermeasures suitable for the credit risk control of small and micro textile enterprises in this area from the perspective of banks,hoping to effectively help small and micro textile enterprises solve the financing difficulties.This enables the banking financial institutions to judge the potential risk and effectively control the credit risk when providing financial services to small and micro textile enterprises,so as to promote the high-quality development of textile industry in Changle District of Fuzhou City,to drive economic growth.