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Research On Credit Risk Assessment Of Small And Micro Businesses By Commercial Banks In China

Posted on:2019-12-14Degree:MasterType:Thesis
Country:ChinaCandidate:Y JinFull Text:PDF
GTID:2439330551950272Subject:Finance
Abstract/Summary:PDF Full Text Request
In China,there are a large number of small and micro businesses,its influence on the economy can not be ignored.At the same time,the small and micro groups also hope to achieve their own transformation and development with the help of a good economic environment.In this development process,the owners' demand for funds is particularly urgent,and it is urgent to support the credit products of commercial banks.However,due to the relatively large internal and external limitations of small and micro businesses,financial institutions often do not recognize their own conditions,which are likely to cause “small and micro financing difficulties”.Once a company is unable to get financing,it will not only lose its development opportunities,but also is more likely to be unable to survive.This situation will play a vicious circle through the conduction mechanism and the whole economy in the long run.Is the problem really the reason for the poor quality of the small and micro businesses? In fact,not all;In addition to the factors that are not qualified,the deeper reason is that although the credit system construction of Chinese enterprises is improving day by day,commercial banks still lack professional credit risk assessment plan in small and micro fields.At present,the traditional personal and business credit evaluation model can not accurately locate the repayment willingness and repayment ability of small and micro businesses,which leads to financial institutions can not accurately evaluate the financing objects.The borrower is unable to grasp the details of the borrower,and it is naturally unable to give credit for its credit.Therefore,the key to solve the problem lies in the establishment of a credit evaluation system for small and micro enterprises which are really suitable for the national conditions of our country.In order to solve the above problems,I created this thesis,which fully used the existing research results both at home and abroad,and combined with the characteristics of China's small and micro enterprises,and built exclusive LJ chain evaluation criteria and models.Through a large number of real cases of credit case test,combined with qualitative and quantitative comprehensive analysis,it fully proves the rigor and effectiveness of the model.The empirical analysis also shows that LJ chain assessment can pinpoint the difficulties in credit evaluation of small and micro businesses,and find the solution path quickly,so as to provide effective guidance for commercial banks.More valuable is that,as applied innovation,the LJ model is superior to the existing enterprise credit evaluation system in terms of evaluation efficiency and wind control,so it can give greater support and help to the development of small and micro businesses,and then escort the whole economy.
Keywords/Search Tags:Small and micro businesses, Commercial bank, Credit system, Credit risk assessment
PDF Full Text Request
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