Research On Credit Risk Rating System Of Small And Micro Enterprise Customers In K Bank Nanjing Branch

Among the risks faced by commercial banks,credit risk is the most common one and the main source of risk for commercial banks.The credit conditions of many small and micro businesses are not good,which makes the credit risk of commercial banks further keep increasing.Due to various reasons,The credit risk management level of commercial Banks in China is quite different from that of foreign countries,and the credit risk rating system of commercial Banks also has large or small loopholes.In the credit relationship between commercial banks and customers,it is easier for customers to master the credit policies,credit system and credit supervision of the banks.But it is difficult for banks to grasp the full information of every credit customer,which forms the information asymmetry between the two sides.The phenomenon of asymmetric information leads to more serious credit risks for commercial banks.Therefore,it is an important task to improve the credit risk evaluation system of small and micro enterprises in China's commercial banks.From the analysis of the 2016 K Bank Retail Company Operational Analysis report,its Nanjing Branch ranked the top of its branches in terms of both its debt and asset businesses,but its non-performing loan ratio was above the average.Therefore,it has theoretical and practical significance to analyze the credit rating of small and micro enterprise customers in Nanjing Branch to find out the problems and to learn from the further improvement of the credit rating system of the small and micro enterprises in other commercial banks of our country.This thesis starts from six aspects: first,through literature review,this thesis puts forward specific research methods and ideas.Second,this thesis describes the related theories of small and micro enterprises and small and micro finance,and then elaborates the commercial bank credit risk related theory briefly.Third,this thesis lists the current small and micro enterprise customers credit risk rating methods,and makes the choice.Fourth,this thesis analyzes the basic situation of K Bank Nanjing Branch and the existing credit rating system of small and micro enterprises,and then analyzes the problems existing in the customer credit risk rating.Fifth,in view of the defects of the original rating system,new rating indexes are proposed,then this thesis uses the old and the new rating systems on Company A to show the advantage of the new evaluation system.Sixth,this thesis summarizes the main conclusions and makes further prospects.The significance of this thesis is to find a method combining qualitative and quantitative to improve K Bank Nanjing Branch's credit risk evaluation system of small and micro enterprise customers,and to provide reference for other scholars' research in the future.