Study On The Optimization Of Credit Rating System For S Rural Bank Small And Medium Enterprises

At present,small and medium enterprises is an important force in the development of China’s national economy.However,there are many financing problems in small and medium enterprises,mainly because of the small size of small and medium enterprises,the reliability of financial data is poor,the greater the risk of business and other reasons.Commercial banks have lower credit ratings for small and medium enterprises because commercial banks’ current credit rating system does not apply to small and medium enterprises ratings.Commercial banks should construct a special credit rating system on the basis of characteristics of small and medium enterprises,so that the credit rating system for small and medium enterprises is more applicable and scientific.The thesis mainly studies the credit rating system of S rural commercial bank small and medium enterprises,analyzes its current situation and existing problems,and puts forward a more scientific and applicable optimization scheme.On the basis of studying the relevant literatures of credit rating of domestic and foreign commercial banks and the requirements of bank internal rating law in The New Basel Capital Accord,this thesis makes an in-depth study on S rural commercial bank small and medium enterprise credit rating system.Based on the analysis of the current situation of credit rating system of S rural commercial bank small and medium enterprises,it is found that there is a lack of the analysis of cash flow in the rating index system,lack of distinction for customers in different industries in the design of indicators of weight,lack of rating tracking and supervision in the rating process.In view of the existing problems,the thesis puts forward the specific optimization plan from three aspects: the rating index system,the rating procedure and the rating system.Optimization plan include: the thesis increase the proportion of qualitative indicators,adjust the more relevant financial indicators,increase the cash flow indicators in the rating index system;the thesis uses the analytic hierarchy process to re-design the weights for the manufacturing and wholesale and retail industries;the thesis optimizes the classification process by optimizing the collection of customer information,establishing the rating tracking and supervision links,establishing the debt rating system and so on;the credit rating system is optimized by perfecting the enterprise credit rating database and establishing the verification system of credit rating results.At the end of the thesis,two examples of enterprises are used to verify the optimized credit rating system and compare with the original results.The results show that the optimized credit rating system has played a role in improving the financing difficulty of small and medium enterprises,and has played a certain role in controlling the credit risk of S rural commercial bank.The research of the thesis will help to reduce the credit risk of S rural commercial bank and help S rural commercial bank to enhance the competitiveness of small and medium enterprises,and it is important to improve the financing difficulties of small and medium enterprises in the region.At the same time,the research of the thesis also has some reference for other local commercial banks to establish the credit rating system suitable for small and medium enterprises.