Research On Credit Risk Assessment Of Small And Micro Enterprises In DY Bank

Since 2017,China's large and medium-sized commercial banks have set up inclusive financial departments to implement the "five specialized" mechanisms of organizational system,policy system,management technology,resource supply,product and service.In 2018,financial institutions focused on inclusive loans to small and micro enterprises with a total amount of 10 million yuan or less granted by a single household,focusing on strengthening the financing supply of small and micro enterprises with dispersed small amount,weak financing capacity and low financing satisfaction.By the end of 2018,large commercial banks have established and improved a multi-level,wide-ranging system of small and micro financial institutions,giving full play to the sinking services of network,personnel and technical advantages.In early 2019,the Banking Insurance Regulatory Commission put forward the overall goal of "two increases and two controls",urging banks to deepen the construction of professional mechanisms and optimize credit service technology and methods.Since most of the main rating objects of commercial banks in China are large and medium-sized enterprises,the development of credit evaluation system for small and micro enterprises is relatively lagging behind.Establishing a practical credit rating system for small and micro enterprises to adapt to the vigorous development of China's micro and micro credit business has become an urgent problem for China's financial institutions.Taking DY Bank as the research object,this paper puts forward the design of credit risk evaluation index system for small and micro enterprises of DY Bank.Firstly,it introduces the background,significance and purpose of this study,the research status at home and abroad,and the research methods used.Secondly,the credit risk management theory,the credit risk evaluation theory,the definition of small and micro enterprises and their risk sources are analyzed,which lays a theoretical foundation for the following article.Thirdly,starting with the operation status of DY bank's credit business and the existing methods of risk assessment of small and micro enterprises,this paper analyses the existing problems in credit risk assessment of small and micro enterprises.Fourthly,starting from financial and non-financial factors,we select five dimensions of financial status,operating status,management quality,regional industry development and collateral status to construct the index system of credit risk assessment for small and micro enterprises;use Delphi method and analytic hierarchy process to determine the index weight,and use efficiency coefficient method and expert scoring method to refer to financial indicators and non-financial indicators respectively.The standard is used to measure and determine the credit risk rating table.Finally,select the target customers to analyze the feasibility and effectiveness of the credit risk evaluation system,and put forward the supporting measures to improve the credit risk evaluation index system.In the process of research,the paper strives to combine normative analysis with empirical analysis,qualitative analysis with quantitative analysis with theory and practice.It is hoped that this study will play a positive role in the construction of credit risk evaluation system for small and micro enterprises by DY Bank.