A Study On Evaluation Of Credit Risk From The Small & Medium-sized Enterprises Based On GT Rural Commercial Bank

With the rapid development of China's economy,small and medium enterprises in China's modern household construction plays an increasingly important role,But at the same time,in the development of small and medium enterprises,there has been a lot of constraints.Financing difficult problem has been the primary problem for the small and medium-sized enterprise..In our country,the current financial system is so imperfect that small and medium enterprises can only finance through commercial bank loans.There are many factors that lead to the credit risk of commercial banks,such as the uncertainty of the market environment,the management level of small and medium enterprises.Once a large number of commercial banks credit risk,it is likely to cause the whole country's financial system,,which can have an important impact on the national economy..Therefore,it is a difficult problem for commercial banks to customer service to develop an effective credit risk assessment of small and medium enterprises..This paper's research idea is organized as follows:Firstly,by using the recent literature about Median or Small corporations' credit risk estimation's objective and significance are illustrated.Secondly,The GT Rural Commercial Bank's Median or Small corporations' credit risk estimation model.By adopting the AHP method and Fuzzy mathematics principle,the credit risk estimation model adapts to GT Rural Commercial Bank.And Five Class Sorting method is adopt as the kemel of credit risk alarming system.Finally,we give an example to show how to use the model to estimate corporation credit risk.This article did some exploratory research in the following areas:(1)Aiming at the median and small corporation's quality and management trait,emphasizing particularly on corporation qualitative analysis and combining and AHP,Expert investigation,Credit Five Class Sorting Methods to measure the qualitative analysis index,the GT Rural Commercial Bank's Median or Small corporations' credit risk estimation indexes system is set up pertinently.This guarantees that the credit risk indexes are quantified entirely.This solves the problem of the median and small corporation credit risk estimation's distortion.(2)The dynamic credit risk estimation model's thought and methods are built as adapt to the character of median abd small enterprises.By adopting the AHP,fuzzy mathematics theory and combining financial policies' seriousness with median or small enterprises flexible credit management mechanism,the real time risk estimation is achieved.