Research On Small Micro Enterprise Financing Of Commercial Bank Credit Scoring System

Since the reform and opening up was launched in 1978,our country has gone through a dramatic change with the rapid development of economy.The small micro enterprises quantity is increasing and scale is extending,it has developed very fast due to strong support from central and local government.The swift growth of small micro enterprises gave a pushing effect on the economy of our country.However,due to low starting,simple structure,weak risk resistibility and so on,the small micro enterprise it is difficult to get growth opportunity.The lending institutions doesn't choose it in that it has been full of too many risks and uncertainties,there has hindered the speed of small micro enterprise start-up,growth and development greatly.This paper is to study the history of small micro enterprise financing problems at home and abroad to explore.At this stage the small micro enterprise of China in the process of financial institutions to apply for loan problems and difficulties as a starting point.And from the perspective of commercial banks to study financing problems in small micro enterprise.To achieve decrease the risk of bank and actual demand integration for small businesses,it led into financing credit score theories of small micro-enterprise creatively.Through numerous literature and practical operation experience,it proposed the establishment of credit scoring models of small micro-enterprise.This paper uses the situation of X bank and small micro business situation they faced as standpoint,analyses the two and demand and the contradiction between the two in-depth.Under the background of large data,X bank can use credit the method of scoring models against the small businesses.It not only elaborated on the basis and building steps of the credit score model,but also explained the variables of analysis of credit scoring models and the form of decision-making specificly.After scores of different enterprises,designed correlated credit process and credit products.At the same time to explore the potential value of the customer,it demanded for enterprise credit.Commercial banks and small businesses can rely on each other and influence each other.Research of this paper provided foundation to solve the financing risk assessment methods of small micro enterprises for commercial banks,P2 P companies and other lending institutions.