Research On Optimization Of Credit Rating System For Small And Micro Enterprises

In our economy,micro and small enterprises contribute a lot to our economy.Due to the imperfect system of micro and small enterprises,it is difficult to control the risk.And banks do not have their own loan evaluation system belonging to MSMEs,so commercial banks have poor loan support for MSMEs.The current credit status of SMEs can be accurately evaluated by building an evaluation system that meets the characteristics of MSMEs.How to solve this problem? This problem can be solved by establishing a credit evaluation system belonging to micro and small enterprises.The completion of the evaluation system will enable MSMEs to obtain better financing and control the risk factor of banks.The development of credit rating is introduced.The methods of credit rating that are more frequently used now.Then,we introduce the author’s bank,Bank S.Some problems of the current credit rating system of Bank S are presented.Due to a number of problems with the current risk assessment system.Therefore,the risk rating system of this commercial bank is optimised and analysed.The new risk assessment system is verified by using the case of TJ branch of S Bank.The conclusions are drawn to prove the feasibility of the new credit rating system.Finally,put forward measures and suggestions for optimizing the credit rating system of small and micro enterprises.The thesis takes S Bank TJ Branch as a specific case study,integrates the work experience of front-line managers,breaks the history of S Bank TJ Branch’s lack of risk assessment methods for small and micro enterprises.The thesis integrates S Bank TJ Branch’s unique credit experience.It has created a new evaluation method for S Bank TJ Branch to expand the loan scale of small and micro enterprises in the future and improve the quality of credit assets.The rating indicators selected by the optimized rating system are more comprehensive and scientific,which will play a certain role in guaranteeing the security of bank loans to small and micro enterprises.At the same time it play a role in promoting the development of small and micro enterprise loan business of banks.The process of establishing the assessment method can also serve as a suggestion and reference for the bank to establish a bank that conforms to the bank’s risk assessment method for small and micro enterprise loans.