Research On The Risk Evaluation In Small Business Loan Projects Of Commercial Bank

Along with the gradually development of our country socialist market economy, small businesses, as a increasingly important role in expanding employment and building a harmonious society and promoting economic development and so on, and their development issues is a particular concern in today's society, however difficult borrow become the key to, however, the difficulty of getting loans is a key to limit their development. When commercial banks consider giving small business loans, the main considerations are the company's credit risk and credit risk related closely to operational risk and moral hazards.The risk factors which influence of commercial bank loan risk factors for small businesses include small businesses own management strategy, cultural quality, development foreground qualitative factors, and also covers solvency, profitability, management ability and other quantitative factors. These factors can be divided into more detail factors, and people can risk and rate small business loans of commercial banks project risk in order to reducing the risk of commercial bank loans with the analysis of these factors of commercial bank loan project.In the beginning of this paper, the author describes the concept of risk-related loans and loans, and then lists the meaning, characteristics and advantages of small businesses. On this basis, the author analyzes the situation of small business loans from the size, the type, the business processes and the perspectives of non-performing loans. Finally, she analysis some causes of the problem according the conditions of the enterprise internal and bank internal, external environment aspects and other aspects.In addition, this paper points out the deficiencies of existing commercial Banks to small business loan project risk evaluation index system in the indicator setting and weight settings. It also proposes a new design concept of index system. The new system take construction, industrial, wholesale and retail industries and enterprises as rating objects, then identify the projects which the various industries focus on;after that, set the corresponding indicators; the third, Construction a evaluation index system with industry characteristics.Iinnovation of Evaluation lies in selection the Fuzzy Comprehensive Evaluation Model for commercial bank loans to small businesses project risk assessment, and Analytic Hierarchy Process (AHP) for recognition weight. In the text, in order to verify the model's practical and scientific, the author chose a small enterprise construction as an empirical study object for determining whether the commercial bank loans. The end of this article, the author put forward important guiding significance and reference value of small business loans of commercial banks project risk measures of prevention and optimization from three angles, the commercial Banks, small businesses and government.