Research On Customer Credit Evaluation System Of Smes In Qinhuangdao Postal Savings Bank

As the fifth largest state-owned bank of China,the government has a huge stock of money and an extremely low rate of bad loans,so it is expected to have a huge impact on the SME financing market.But because the bank is currently in the transition from the original"eat spreads profit model on the initial stage of" credit "income,the customer credit evaluation system is not complete,so this article takes the postal savings bank Qinhuangdao City as the research object and establishes a set of SME customer credit rating systems suitable for commercial banks to eliminate SMEs' phenomenon of information silos on banks and resolve information asymmetry between the two parties.It provides scientific and effective decision-making basis for controlling the loan risk of SMEs' customers.At the same time,the establishment of such a system is conducive to the financing of small and medium-sized enterprises with good credit,the improvement of the operating standards of small and medium-sized micro-enterprises with poor credit,and the finance of SMEs in the city.The development environment has a positive role in promoting.Firstly,this paper introduces the research background and significance of credit evaluation,combined with the research results of scholars at home and abroad,and the research situation of credit evaluation model,expounds the contents and methods used in this article.Secondly,the paper expounds the relevant theories of credit evaluation,defines the concept of credit evaluation,introduces the theoretical basis of the establishment of credit evaluation system,and the significance of credit evaluation research on SME.Again,This paper analyzes the current credit rating system of the postal savings bank of Qin City,points out the shortcomings,and reestablishes the credit rating index system of the small and medium-sized enterprises,and then combines the principal component analysis(PCA)and the K means clustering analysis method to build a set of perfect customer credit rating system for small and medium-sized enterprises,in order to improve the bank's risk management and control mode for SME loans customers.Finally,this paper will be on the customer credit evaluation index sample screening data acquisition and processing,and the credit evaluation results through model calculation,provide scientific basis for decision-making and intuitive postal savings bank credit personnel.