Research On Credit Rating System Of Small And Micro Enterprises

In our national economy, small and micro enterprises as an important component inbecoming more and more important in promoting the development of our nationaleconomy. Government work report in2013mentioned several times in small and microenterprises, so our government has put the work to promote the development of smallmicro enterprises in the quite important position. However, due to the risk of small andmicro enterprises,banks are reluctant to loan to small and micro enterprises, the financingdifficult problem is still serious limits the development of small micro enterprises.Firstly, this article reviews the research results about the credit risk management ofsmall and micro enterprises. Then outlines the related theories of small and microenterprises loan and credit risk management. And introduces the current situation of riskmanagement in our country. The following part on the foundation of theory use S bank ofShenzhen Branch as the research sample. Through the analysis of credit rating in smalland micro enterprises. Finally aimed at the disadvantages put forward the correspondingimprovements. In order to control the credit risk in small and micro enterprises andimprove the problem of financing difficulty.The main contribution of this article lies in: using the analysis method whichcombine theory and case analysis. Analyze in detail about the problem which exist incredit rating process of S bank Shenzhen Branch. Then, reconstruct the credit ratingsystem of small and micro enterprises. To improve the resist ability of commercial banksin the risk management of small and micro enterprises and help to solve the problem offinancing difficulty as well as promote the business of banks. Achieve win-win situation.