Research On Risk Evaluation Of Small Enterprise Loan Project Of The S Branch Of Postal Savings Bank

With the rapid development of small business loans in China,more and more commercial banks have shifted their eyes to the field of small enterprise loans.Small enterprise loans play an important role in the traditional enterprise loans,and with the improvement of the market environment,small enterprises are full of vitality.Although the development of small enterprises is also facing certain risk problems,in general,small enterprise loans are still a new profit growth point for commercial banks.The high investment value of small enterprise loans and the long return period of investment make it high risk at the same time.However,the research on the risk of small enterprise loans is not perfect in China.In many cases,banks lack experience in identifying the risk of small enterprise,and there is no mature system.This has caused a lot of small enterprise loan default,high quality small enterprise can not lend money to the case.So,it is very important to recognize the risk of small enterprise loan at present.This paper,taking the S branch of postal savings bank as an example,combines the related theory of risk assessment,and studies the bank's risk identification project for small enterprises.This paper first combs the related theories of risk assessment,and then deeply understands the characteristics of small enterprises and the risk points of small business loans.Based on the full understanding of small business loans on the current situation,the analysis model from two aspects of small business loan before the loan and the loan project the implementation to identify possible risk in the process of using AHP fuzzy comprehensive evaluation method based on the model and the RAROC model obtained in the evaluation results based on for the future development of the management of small business loans.