Research On Risk Assessment Of Small And Micro Enterprises’s Loan In Minsheng Bank Hangzhou Branch

With the rapid development of China ’s economy in recent years, manysmall and micro enterprises to become China’s important economic actors, theyplay an important role in promoting economic development, in addition to smalland micro enterprises in terms of employment, tax revenue has also played aprominent contribution. With the rapid development of economic globalization,the competition among enterprises is also growing in such an environment, manysmall and micro enterprises in the fierce competition for the long-term trendcontinues, constantly strengthen enterprise management capabilities andtechnological innovation, and small and micro enterprises are also more andmore national attention. Face increasingly complex living environment, how tocontrol small micro-enterprise credit risk, how to do risk assessment of smalland micro enterprises, and how to broaden the bank credit to small businessesand micro-enterprises, which for financing small and micro enterprises toimprove efforts to reduce small micro-enterprise business risks, and promote thehealthy development of small and micro enterprises have a great significance.Based on this, the risk assessment of small and micro enterprises starts thediscussion. Firstly, the background of this study, the purpose and significance ofthe study, research status and the method and content of this paper, the studyof this paper introduces preliminary; then analyzed the profile of HangzhouMinsheng Bank, Minsheng Bank to credit products were introduced, and therisk of small micro-enterprise credit business faced analyzed; then HangzhouMinsheng Bank to small and micro business loan risk analysis, evaluationindex design through loans, and design evaluation system is analyzed; thenthrough a comprehensive evaluation method for Hangzhou Minsheng Bank small and micro enterprises conducted a risk assessment of specific casesempirical analysis. Through comprehensive evaluation method, the evaluationindex system and evaluation model are designed for a detailed analysis of thecases cited by the scientific risk assessment and comprehensive analysis. Finally,it concludes with recommendations Hangzhou Minsheng Bank Creditprevention of small and micro enterprises and measures to improve small andmicro enterprises from credit organizations, and strengthens credit risk controlprocess, three active and innovative credit business suggestions.