The Construction Of Credit Risk Evaluation System Of The Growth Of Technological Small And Medium-sized Enterprises Of N Bank Z Branch

With the development of economy and the progress of the times,the innovation of science and technology has become a powerful driving force for the development of the world.Due to the growth of small and medium-sized enterprises in the early days,have mostly patent intangible assets,assets and other tangible assets,the risk of technological innovation,lack of solvency,operational risk factors,combined with China's current government innovation fund,the venture capital field is not mature enough,this makes the commercial banks become the main way to obtain external financing in small and medium sized enterprises.In the face of "asset light,SME financing needs heavy growth",the risk control system of Z science and technology branch of N bank is not perfect,the urgent need to establish a system for small and medium-sized enterprises complete and effective credit risk evaluation system.The N bank Z branch of science and technology credit evaluation based on the current situation,through the analysis of different characteristics of the growth of SMEs in different life cycle stages,combined with the financial and non-financial indicators,using AHP constructed for seed stage,start-up period,the science and technology growing small and medium enterprise credit risk evaluation system in case analysis in view of the growth of science and technology in different stages of growth of small and medium-sized enterprises using fuzzy comprehensive evaluation method of evaluation index for determining the degree of membership,and evaluate the results of the test,the test results show that the credit evaluation system of the growth of science and technology type construction of small and medium-sized enterprises is effective and provides a scientific basis for the effective implementation of credit business of N bank Z branch of science and technology.At the same time the growth of operators of small and medium-sized enterprises can also be a reference for credit risk evaluation system constructed in this paper to improve the management of enterprises,reduce the credit risk of the enterprise,better to have the commercial bank loan funds support.