China Construction Bank Lanzhou Small Business Center Customer Evaluation System To Improve Research

Customer evaluation cognition and evaluation of commercial bank customers of the basic means and ways, more and more the attention of the banks. Currently, commercial banks have established a customer evaluation criteria and evaluation methods, evaluation of this series constitutes a commercial bank customer evaluation index system, index system, science, rationality, accuracy to a large extent restricting the threshold of the customer into the bank, but also directly affect the cost, and difficulty level of customer financing. Construction Bank, the existing customer evaluation system to the customer’s probability of default (Probability of default) as the core, from the quantitative indicators, qualitative indicators, account behavior, a special case of adjustment of the four aspects of analysis, and ultimately come to the conclusion of the evaluation of customer.In this paper, on the basis of analysis of the operating characteristics of small businesses, through access to a large number of documents as well as domestic and foreign commercial banks in the theory and practice of evaluation of small business customers, in-depth analysis and research on existing customer evaluation system for the Construction Bank of Lanzhou small business center pointed out the shortcomings and deficiencies, and suggestions for improvement ideas.According to the paper analyzes the production and management features for small businesses, in the customer evaluation "5S" evaluation system, namely:basic situation, supply chain, Supply channel, sales channels, security measures. Through the "5S" evaluation from the measurement of the fixed target of the investigation of soft power is excessive, to do so for small businesses transition from static to dynamic inspection from the "point" to the "face",from isolation to full. Conclusion, the article also raised due to the influence of the traditional concept of inertia of thinking, to achieve the transformation of this evaluation system, to train loan officers to carry out the awareness of the paradigm shift.