Research On Improving Of ZX Bank Lanzhou Small Business Customer’s Credit Rating System

This thesis is to establish industrial small business customers in Lanzhou City ZX bank credit evaluation system and operational mechanism research goals, starting from the point of view of the credit rating on the basis of credit evaluation system with reference to domestic and foreign enterprises, try to explore a set of suitable ZX Bank Lanzhou Industrial enterprise customers credit evaluation system. The growth and development of SMEs in promoting economic growth, promote employment, improve and optimize the economic structure and other aspects play an active role in promoting the development of small and medium-sized enterprises for the importance of economic development and social stability is self-evident. Constraints and financing difficulties of SMEs in China in the process of development and growth, but also facing a lot of problems, the most prominent one is the demand for funds. SMEs themselves weaker, while its development and there is a huge demand for funds, direct financing of the various requirements of small and medium enterprises is difficult to achieve, its financing mainly indirect financing to bank loans mainly. Although SMEs a strong dependence on capital requirements for commercial banks in the credit evaluation system for the commercial banks, small and medium enterprises is more difficult to achieve the credit rating standards lead to the difficulty in financing. It can be said that commercial banks are still not enough attention to SME customers’formation. Due to the lack of a reasonable, feasible and reliable SME credit evaluation system, evaluation of commercial bank credit for SMEs customers cannot effectively carry out commercial banks for SMEs, there are a large degree of the "credit crunch" and "credit limit", a direct result of the small and medium enterprises customer financing is not easy, which largely limits the rapid expansion and development of the commercial banks in the SME business. Therefore, in-depth Analysis of the Causes of the SME credit risk evaluation, targeted to improve the ZX Bank credit rating system design solutions to SME financing the plight and credit evaluation problem is a real problem solved. Given the huge financing needs of small and medium enterprises, as well as national and local government SME policy support, the future of SMEs is bound to become a source of important customers of commercial banks, commercial banks also bound to carry out the intense competition to attract SME customers. At the same time, seize the resources of SMEs, enhance the level of service and the ability of SME financing, but also commercial banks solved a practical issue.Papers from the ZX Bank credit rating system status quo start by analyzing the status and characteristics of the development of SMEs, pointed out that the commercial banks in the current credit rating system preferences in the large and medium-sized state-owned enterprises and other large-scale enterprises, customer credit characteristics of small businesses in the current credit rating system is difficult to be objectively true reflection of small business customers is more difficult to achieve the credit rating requirements for commercial banks, a considerable part of the quality customers have been shut out just because of the small scale. The reality of the plight of many SME credit is much higher than the large enterprises, small scale has become their "short board". Therefore, the paper on the basis of analysis summary of internal structural characteristics and the law of development of small businesses, targeted credit rating system ZX Bank of Lanzhou City, small business customers to improve using the analytic hierarchy process re-design of the index system and take advantage of statistical methods to improve the rating index weights. Eventually get a credit rating index system for of Lanzhou Polytechnic small enterprise customers, banks ZX improvement program, and the case of application of the credit rating index system improvement program, and to test its feasibility. Papers indicators reconstructed by ZX Bank Lanzhou City Industrial small business customers credit rating index system, pay attention to the small business industry characteristics and geographical features, as well as strengthen small enterprise credit rating index system feedback and seeking to improve our credit rating indicators The use of the system in the credit as its ultimate aim. Idea of this paper the application of this method, similar to the Delphi method, several rounds of feedback consulted constantly inevitably can greatly improve and perfect the small enterprise credit rating index system, in a certain amount of risk constraints of small industrial enterprises in Lanzhou City fast development to provide as much financial support, to achieve a win-win situation for the rapid development of the ZX bank earnings and Lanzhou small businesses in various industries.