Research On The Evaluation Of Credit Quality Of Small And Micro Enterprises

As an important part of China's economic system,small and micro enterprises have made significant contributions to the healthy development of the national economy.At nowadays,commercial Banks have not established a scientific and perfect credit evaluation system for small and micro enterprises,which makes the audit work of loans for small and micro enterprises lack of objective,scientific and complete analysis and evaluation,and hinders the complete solution of financing difficulties for small and micro enterprises.At present,the credit quality evaluation of China's commercial Banks is still under the study of using ratio,especially financial ratio,so the c.redit quality evaluation method of small and micro enterprises is still the original ratio research method.However,due to their large number and small scale,small and micro enterprises are not only an important driving force and potential for national development,but also have many problems.This paper from small micro enterprise loan credit evaluation system,through the associated with the current quality of small micro enterprise credit rating method,reference other advanced the practice of the rating agencies,combined with the major domestic joint-stock commercial bank loans to small micro enterprise actual operation experience and background of the current economic climate small micro enterprise reality,by the people's livelihood bank case study of small micro enterprise loan project,with minsheng bank small micro enterprise credit data as the research sample,based on three layers BP neural network forecasting model,credit quality evaluation indexes for training,Finally improve and improve the existing small and micro enterprise credit quality evaluation system.The improvement of the model and the analysis of the final feedback results will provide favorable conditions for the future credit quality evaluation system of enterprises and supplement the existing research defects.Improve the credit quality evaluation system for small and micro enterprises.