Y Commercial Bank Credit Risk Evaluation System Of Micro Enterprises Research

At present,with the vigorous development of our country's multi-level capital market,small and micro enterprises have gradually become the "light cavalry" for economic development.On the other hand,as China's macroeconomic situation continues to decline,"financial disintermediation" continues to increase.With the marketization of interest rates of financial institutions,the target customers of commercial banks are sinking gradually.In order to meet these challenges,small and micro enterprise credit has become an important direction in the strategic transformation and business adjustment of many banks in China.These factors have jointly promoted the continuous development of the credit business of small and micro enterprises in China at present.However,the main rating targets of commercial banks in China are generally large and medium-sized enterprises.The development of credit rating system of small and micro enterprises is lagging behind.How to set up a feasible credit rating system of small and micro enterprises has become an urgent problem faced by credit financial institutions in our country.At the same time,Y Bank,as the object of study,is the most intuitionistic data to reflect the level of credit risk management of small and micro enterprises,that is,the non-performing loan ratio has reached a higher 2.89%.Therefore,it is necessary to study the credit risk evaluation system of Y bank small and micro enterprises.The concrete problems in the evaluation index are found to optimize the credit risk evaluation index system of Y bank small and micro enterprises.This article takes Y Bank as the research object,this paper puts forward the design of credit risk evaluation index system for Y bank small and micro enterprises.Firstly,this paper introduces the background,significance and purpose of this paper,as well as the current research situation at home and abroad.Secondly,the definition and risk characteristics of small and micro enterprises,the theory of credit risk management and the theory of credit risk evaluation are analyzed,which lays a theoretical foundation for the full text.Thirdly,this paper analyzes the existing problems in credit risk assessment of Y Bank small and micro enterprises,starting with the current situation of credit operations and risk assessment methods of Y Bank small and micro enterprises.Fourth,from the financial factors and non-financia factors,select the financial situation,business conditions,personal quality of managers and industry and regional development of the four dimensions to build a small and micro enterprise credit risk evaluation index system.Delphi method and analytic hierarchy process are used to determine the index weight,and the efficiency coefficient method and expert scoring method are used to measure the financial index and non-financial index respectively,and the credit risk evaluation grade table is established.Finally,target customers are selected to analyze the feasibility and effectiveness of credit risk evaluation index system.In the research process,the thesis tries to combine the normative analysis with the empirical analysis,the dynamic research with the static research,the qualitative analysis with the quantitative analysis,the theory with the practice.It is hoped that the research in this paper can optimize the credit risk evaluation index system of Y Bank for small and micro enterprises and play an active role in the sustainable development of its credit business.