The Research Of QS Bank's Small And Micro Enterprises Credit Risk Assessment And Prevention

At present,the number of small and micro enterprises is increasing gradually,and the industries and regions involved are also very wide.Small and micro enterprises are the essential driving force for our national economic growth.Commercial banks should increase financial support for it,which is also the important social responsibility of commercial banks.No matter in the present or in the future,it is of great practical significance to strengthen the analysis and research of financial support for small and micro enterprises by commercial banks.Because of the current external competition pressure and the driving of profit,commercial banks are gradually starting to increase the amount of investment in small and micro finance,and regard this project as the opportunity for business transformation.However,small and micro enterprises have affected the financing activities of small and micro enterprises because of high credit risk,which lead to the credit of commercial banks to the market.It's smaller.QS bank is repositioning the market,improving and innovating the development concept of service industry,leading the construction of the financial service center of small enterprises,developing financial services for small and micro enterprises actively,launching the "small and micro loan" model,implementing the development idea of "hand in hand small and micro enterprises,building together and harmonic finance",but the credit wind But the risk has been repeatedly highlighted,seriously affecting the sustainable development of QS bank.This article is composed of six parts.First of all,for the introduction,the background environment,the practical significance and the domestic and foreign theoretical research are briefly explained,and the problem constitution,the main content,the research method and the innovation point are explained.The second part is the theoretical research and analysis,the integration of standard analysis and the concept of credit risk.And types are defined,and the theory of risk management and credit risk management are elaborated in detail.The third part is the status of the credit risk assessment of QS bank small and micro enterprises.Through interviews with relevant managers,the problems in the current QS bank are finally obtained.The fourth part establishes the credit risk evaluation index system.The analysis and selection of evaluation indexes are carried out from three perspectives of microcosmic,meso and macro levels.At the same time,a hierarchical comprehensive evaluation model is set up,and the credit risk evaluation system of commercial banks is further established.A flexible index system is adopted for reference to the situation of different customers of QS banks.The price system carries out the corresponding test;the fifth part is for the established risk evaluation system,combined with the actual QS bank,the application of the evaluation system;the last part is the implementation measures of the credit risk evaluation system for small and micro enterprises.QS bank is taken as an example to formulate the credit risk assessment system that commercial banks can apply to small and micro enterprises,put forward specific risk management measures,further improve the risk management level of QS banks,and lay the foundation for the leaping development of QS banks.