Credit Risk Estimation For Small And Medium Enterprises Under Different Finance Models On The Perspective Of Commercial Bank

The financing problem of small and medium enterprises(SMEs)highlighted as the fast economics developing.As a result,the commercial bank carried out supply chain operations and launched a variety of financial models.On the one hand,these models broaden the bank's customer channels,facilitated the financing of SMEs and so enhanced the competitiveness of the entire chain.On the other hand,due to extensive business Participation,the credit risk is still outstanding for the risk conditions of commercial bank become uncertain and more complex.So it is of great importance to carry out effective credit risk assessment of SEMs on various financing models.The article stands in the view of the merchant banker and different models of supply chain finance for the small and medium-sized enterprises to value its credit risk.In the first place,basing on credit risk referring concepts and the definition with three kinds of aspects about the process in financial models,and then beginning in this background on the credit risk of small and medium enterprises;Secondly,constructing the index systems of credit risk,which make the index system achieve the unity of the comprehensiveness and rationality;Thirdly,referring on the lots of current situation of methods to the risk assessment,through the comparative analysis,we find that the advantages of AHP and fuzzy comprehensive evaluation method effectively combination is called Multi-layer fuzzy comprehensive evaluation method which has a larger advantage for commercial banks to make credit risk assessment;Last but not least,using Multi-fuzzy comprehensive estimation method with the case of commercial bank to assess the financial model of small and medium enterprises credit risk of three models,through the results facilitating the bank excellent choosing the mode of supply chain finance,providing a reference for other banks to carry out credit risk assessment.