XX Bank,Ningxia Branch Of Small Business Credit Evaluation System Research Based On Financial Information

In recent years,the banks bear the important task of promoting local economic'development.Considering the growth of professional work,they have strong support for small business,and make a lot of efforts,such as setting up specialized small business institutions,with specialized personnel and special funds.They have also introduced a lot of small business credit products.However,from the current situation of the banks,to develop a solution to the broad road of small business financing also requires continuous improvement and efforts.Small business is weak,short survival,prone to risk,which is a lot of banks prohibitive reasons.How not only to control the risk,but also to have a cooperation,to solve the funding problem for small businesses has become an urgent need to study the problem.Therefore,the small enterprise credit evaluation method is crucial,bank risk prevention,an important part of small businesses to obtain financing.The international banks advanced practice provides us with a reference method.And with the progress of times,small business credit evaluation should be changed with the system.This paper attempts to analysis evaluation of the small enterprise credit evaluation system of Ningxia Branch of XX Bank,to pose proposals on the need to optimize expect faster to enhance their competitiveness,and hope to provide a reference for other banks to handle the 'business of small business.