XX Bank Small Business Credit Rating And Application Research And Application

Small business has become an important factor of market economy.However,the financing difficulty of small enterprises has become the bottleneck of restricting the development of small enterprises.Capital is the blood of the development of small enterprises,due to small business financial information is not perfect,the ability to resist risks is poor,making it difficult for small business financing.In this paper,the business’ s repayment ability and willingness is examined.This dissertation is divided into five chapters.In the first chapter,the author analyzes the grounds of selected topic,relative research progress and methods,technique routes.In the second one,credit risk rating theory is described.In the third one,the credit rating index system of small business is established.In the fourth one,the small business credit rating model is expounded.In the fifth one,the small business credit rating standards is established.In the last one,we draw some conclusions and do some expectations.The main content is as follows:Firstly,the small enterprises credit rating index system is builed based on combination of qualitative and quantitative methods.The audition credit evaluation index set is determined by the authoritative rating index and advanced banking experience and classic academic achievements.Through the knowledge and experience of experts and the principle of index screening auditions was simplified,and the relationship between the quantitative rating index screening of high information content index,construct the credit evaluation index system of small and medium-sized banks,to ensure the accuracy of the rating results.Secondly,Small business credit rating model.The evaluation index of positive and negative and moderate type of standardization to eliminate the dimensions of targets,combination weighting by weight of subjective and objective weighting method to get the rating index,set up a small enterprise credit rating model,to ensure that the rating results can reflect the knowledge and experience of experts,but also to achieve the real financial data information customers in the small enterprise credit evaluation.Thirdly,the small business credit rating standards is established.Discrete degree by expert experience is the rating results,the small enterprise credit rating is divided into 9 grades,and on the basis of the cumulative probability law of large numbers are given different levels,and on the basis of the cumulative probability and 800 small enterprise credit rating score rating results,making the standard of small enterprises,the small business customers real credit risk ranking.