A Research On Credit Evaluation Of The Minor Enterprise Of ZX Bank Of Xi'an

With China's economic development is going into a new normal,small and medium enterprises is undoubtedly facing a new challenge and opportunity.How to crack the development problems of SMEs and problems have become particularly important.At present,China's small and medium-sized enterprises still face a serious problem of narrow financing channels.To provide credit support to SMEs,not only can provide a strong help for financing difficulties,but also have extraordinary strategic value and practical significance on the commercial banks themselves.Commercial banks on the enterprise credit rating is still flawed,which not only increased the barriers to the development of SMEs,but also increased the credit risk of commercial banks.Therefore,in order to promote the healthy development of social credit market,we need to solve the financing problems of small and medium enterprises in China.So as to realize the common development of small and medium-sized enterprises and commercial banks.It can be seen that it is very important to improve its credit evaluation system.Based on the existing theories,this paper puts forward a credit evaluation system of small and medium-sized enterprises combined with qualitative and quantitative methods and carries on the example verification to the small and medium-sized enterprises.First of all,this paper summarizes the corporate credit risk and corporate credit evaluation methods,and especially analyzes the characteristics of credit evaluation of SMEs.Secondly,combined with ZX Bank's evaluation of the credit status of SMEs,the author summarizes the shortcomings of ZX Bank's credit evaluation for small and medium-sized enterprises.Then,for these shortcomings,its credit evaluation system was optimized.For the characteristics of small and medium enterprises selected five qualitative indicators and four first-level quantitative indicators.For qualitative indicators,the authors use the fuzzy mathematics evaluation method to quantify.For quantitative indicators,the financial data of the enterprise will be evaluated in comparison with the upper and lower limits of the industry data,resulting in a dimensionless value,and then the weighted sums will be compared to the specific scores.Then,the qualitative score plus the quantitative indicator score is the corporate credit score.The enterprise credit score corresponding to different scores across the enterprise credit rating,so as to whether the credit business business credit decision.Finally,this paper randomly selects the credit evaluation case of a small and medium-sized enterprise of ZX Bank of Xi'an,and evaluates the credit rating of the enterprise with the optimized credit evaluation system,which verifies the rationality of the optimization system proposed above.At the end of the paper,three conclusions are put forward:1.The construction of the evaluation system should be fully combined with the feature of lack of authenticity of SME's financial data.2.On the basis of quantitative analysis by adding qualitative analysis,so that the evaluation system more scientific.This paper puts forward some problems such as index setting and imperfect distribution of ZX Bank's existing SME credit evaluation system,and has been optimized accordingly.At the end of the paper,some practical measures are put forward for the effective implementation of SME credit evaluation.