Research On Credit Risk Evaluation Of Small And Medium Sized Enterprises In Commercial Banks

With the advancement of economic reforms,small and medium-sized enterprises(SMEs)have developed rapidly and become the backbone of the development of national economy.SMEs have played an indelible role in optimizing the industrial structure,increasing employment,boosting market vitality and leading the scientific and technological innovation.Because of the importance of SMEs,China has introduced a series of policies to build a better development environment for SMEs.As the core of financial markets,commercial banks have increased the credit expansion for meeting the financing needs of SMEs.Credit risk is increased with the increasing of credit,which has important effects on smooth development of market economy.Thus,to develop credit business of SMEs,commercial banks have to consider how to prevent the credit risk of SME effectively.This paper mainly focuses on credit risk of SMEs in commercial banks.At first,the theory of credit risk of SMEs in commercial banks is researched.The causes of credit risk are analysed and the problems of SMEs' credit risk are pointed out,based on the characteristics of credit risk of SMEs,combined with credit risk management in commercial banks.Secondly,by using fuzzy analytic hierarchy process based commercial bank credit risk evaluation system model,credit risk evaluation system which is suitable for SMEs is established.Through this credit risk evaluation system,the weight of indexes is calculated to judge the credit risk of commercial banks for SMEs.Then,by giving questionnaires to experts,the major factors of credit risk are found to provide a reference for avoiding the credit risks of SMEs in commercial banks.At last,the practical effect of credit risk evaluation system is explored by using HUARONG XIANGJIANG BANK as an example,and some suggestions are proposed to enhance the management of credit risk of SMEs.