Research On The Optimization Of L Bank's Credit Evaluation System For Small And Medium Sized Enterprises

China's market,economic and society are in a period of prosperity and opening at present,which gives huge support to SMEs.The government also provides supporting policies.So small and medium-sized enterprises thrive under this environment and gradually reflect a more and more important role.But at the same time,there are still some urgent bottleneck problems for small and medium sized enterprises to solve,such as the financing problems.When the SMEs are in need of loans,their first choice is the commercial banks.In theory,SMEs need sufficient funds to meet the need of their rapid development trend.On the other hand,the commercial banks also need to lend money out to gain profit and to adjust the structure of the loans.It is supposed to be a win-win relationship.But in reality,there is a contradiction that the banks have difficulties to evaluate the credit ricks of the SMEs,and enterprises have difficulties in financing.There are two main reasons for this phenomenon.The first one is that small and medium-sized enterprises' financial data is incomplete or untrue.The second reason is that the commercial bank's credit evaluation of SMEs is not timely and accurate enough,so that commercial banks can not effectively choose the appropriate lending object and the appropriate amount.L bank is a local joint-stock commercial banks.After the long-term development and strategic adjustment,L bank has put its main focus of the work on the market of small and medium enterprises.And now,small and medium-sized enterprises accounted for above 90%loans of its total loans.Meanwhile,non-performing loans of L bank is serious.The index has maintained the growing trend in recent years.And the non-performing loan ratio has reached 2.72%in 2015,which gained the top five on the list of city commercial banks.Under this background,the author analyze and summarize the theories and methods of credit evaluation on the basis of the references of other domestic commercial banks'experience for small and medium enterprises credit evaluation.Adjustments and optimization are made to the credit evaluation of current quantitative and qualitative indicators.This paper is divided into three parts:The first part:determine the emphasis of this paper is to evaluate the credit of small and medium-sized enterprises after reading a lot of literature,research experience and studying related theory.And choose analytic network process as the method to optimizing the credit evaluation system of small and medium-sized enterprises after understanding and analyzing advantages and disadvantages of the various methods which can be used for credit evaluation.The second part:analyze the current situation of L bank and the defects of the existing evaluation system.Choose the appropriate index for L bank's credit evaluation of SMEs according to them,especially the L bank's most important customers--the steel trade enterprises and the wholesale and retail enterprises.And then determine the weight of evaluation the index using ANP.Finally determined the credit evaluation index system of small and medium-sized enterprises for L bank.This index system makes up for some of the limitations of traditional evaluation method of small and medium-sized enterprises.The third part:case analysis and security measures.The author selects a L bank's loan customers,and verify the effectiveness of the optimized credit evaluation system by analyzing the application of the case.And then the author puts forward the corresponding safeguard measuresThe author analyze the existing problems of L bank's credit evaluation system for small and medium-sized enterprises,according to the characteristics of the main customers and characteristics of the industries that L bank's loan customers mostly distributed in.In this paper,the author is more comprehensive to consider all aspects of factors that can affect the credit evaluation of SMEs.In this paper,ANP is used to calculate the weight of each index.This method can take the interaction between the indicators into account,and it is more reasonable which can be used for reference for other banks.