Research On Customer Credit Risk Scoring Model Of The Petty Loan Company

As a new type of commercialized microfinance organization, the petty loan company, to a certain extent, effectively relieve our country "three agriculture" and the capital requirements of small and medium-sized enterprises. But the credit risk management has increasingly become the constraint of small loan companies, seriously affecting the development of sustainability and stability of financial markets. Therefore, the systematic study of microfinance company’s credit risk problem for microfinance companies maintain healthy and sustainable development has important practical significance.In the framework of credit risk management, credit risk characteristics and formation mechanism of financial institutions and has the difference. Small loan company in fully understand its own positioning and business characteristics, on the basis of correct understanding of their credit risk faced by, by selecting the suitable credit risk assessment index, using the correct evaluation and early warning method, effective credit risk management.This paper from five levels:first of all, the credit risk of small loans company literature review, understand the characteristics of the small loan companies, as well as the domestic and foreign experts, institutions for the study of the theory of the small loans. Secondly, in the small loan companies and the theory of credit risk, based on the analysis of the small loan company credit risk formation mechanism, at the same time, using the method of game theory with perfect information single game and repeated game perfect information and imperfect information dynamic game three different situation, in-depth analysis of the small loan companies and step by step a loan relationships between loan customers. Again, in combination with the existing small loan credit risk evaluation indexes and evaluation methods both at home and abroad, summed up a set of relatively complete index system, and then through to professional loan officers questionnaires obtained in the form of small loan credit risk evaluation index system. Fourth, the use of analytic hierarchy process (ahp) to establish customer credit risk assessment index system of small loans company each index weight analysis, gives the corresponding scores and the weight of each index, small loans company customer credit risk assessment model is established. Fifth, through the specific case of before scoring model is established for the empirical analysis, to verify the rationality of the model built by scoring.The merits of this paper is to find a combination of qualitative and quantitative method, make up for small loan companies rely on qualitative analysis of credit risk is insufficient, help microfinance companies to evaluate the credit risk of loan customers, reduce the micro-credit company’s credit risk.