Study On Credit Risk Evaluation And Control Of Small And Medium-Sized Enterprises In Chongqing Branch Of G Bank

With the development of market economy,small and medium-sized enterprises have become the most vital and energetic groups in the market,providing the main impetus for economic growth.By the end of 2015,there were more than 20 million registered industrial and commercial enterprises in China,with more than 54 million individual industrial and commercial households,accounting for more than 99% of the total number of Chinese enterprises,more than 60% contribution to GDP,more than 50% contribution to tax,70% of the import and export trade volume,creating about 80% of urban jobs.Small and medium-sized enterprises have played an important role in many aspects of social development,adjusting the industrial structure,promoting regional economic development,alleviating the employment pressure,shifting the rural labor force,and the steady and rapid development of China's economy can not be separated from the contribution of small and medium-sized enterprises.Thus,small and medium enterprises occupy a pivotal position in the community,in order to maintain the rapid development of SMEs,we cannot only rely on their own accumulation,support for external financing is also an important driving force for enterprise development,and bank loan of external financing is also the main source of funds.However,small and medium-sized enterprises' difficulty of financing has always been common,the reason is that the banks cannot accurately control the risk of small and medium enterprises,reasonably evaluate the risk of credit,and timely control risk.How to solve the problem about small and medium-sized enterprises' difficulty of loans,and to maximize the control of bank credit risk at the same time,this paper is based on this consideration,and selected the research on SME credit risk assessment and control as the topic.Based on the above background,this paper summarizes the theory of credit risk evaluation and control.Based on the theory,G Bank Chongqing Branch is selected as the main research object.Through field investigation and interview,we understand the credit business of small and medium-sized enterprises.The actual operation of credit risk assessment and control of the problems were summarized analysis.Finally,this paper puts forward the method of solving the problem from two aspects.Firstly,we use the FAHP to consider the qualitative and quantitative factors,and construct a set of credit risk evaluation model which is suitable for small and medium-sized enterprises.Then,the paper propose the improvement measures and recommendations from the perspective of internal control.Based on the summary analysis of field trips and the analysis of the empirical research results,this paper can draw two conclusions: Firstly,compared the empirical analysis of the risk assessment model and the actual post-loan risk situation of the enterprise,this paper puts forward some suggestions on how to improve the credit risk of the small and medium-sized enterprises in the evaluation of the credit risk of the small and medium-sized enterprises.In the risk control system,this paper puts forward some suggestions on how to improve the credit approval process,bad loan disposal,credit culture construction and personnel training.In general,this paper puts forward a solution to the problem from the aspects of the improvement of the risk evaluation system and the optimization of the risk control measures,which provides some reference for the banks to carry out the risk prevention and control of the credit business.