Analysis And Improvement Of Credit Rating Model For SMEs In G Commercial Bank

Small and medium-sized enterprises(SMEs)are the basic force to promote the development of national economy,construct the main body of market economy and promote social stability.At present,China's economy is affected by the complex and changeable political environment at home and abroad,and there are many uncertainties.Small and medium-sized enterprises play an increasingly important role in alleviating the pressure of social employment,rejuvenating the country through science and education,and optimizing the economic structure.To this end,the state is also focusing on the development of small and medium-sized enterprises,promoting local institutions to introduce new policies and measures to support the development of small and medium-sized enterprises.Commercial banks,as the oldest and most mature financial institutions in China's financial industry,should be the main force to support the development of small and medium-sized enterprises.However,in recent years,under the impact of new economies such as Internet finance,commercial banks are facing many difficulties and challenges in developing small and medium-sized enterprises,especially credit business.In this paper,the credit rating model of small and medium-sized enterprises in G-type commercial banks is studied as a practical case.By analyzing the problems existing in the credit rating model of small and medium-sized enterprises in G-type commercial banks,the causes of the problems are analyzed,and the defects of the original model are improved,and a new credit rating model of small and medium-sized enterprises in G-type commercial banks is constructed.And using G Commercial Bank's SME customers as samples,the effect of the new model is tested,so as to judge whether the new model can improve the old model or not.Finally,this paper puts forward some suggestions on improving the credit rating system and working process of G Commercial Bank,and intends to improve the practical application effect of the bank's credit rating model.The main conclusion of this paper is that the original credit rating model of G commercial bank for SMEs lacks objective evaluation of whether the rating objects are honest and trustworthy in their daily business activities.By adding new indicators to form a new rating model,the prediction accuracy of G commercial bank for default of loan customers after actual loan issuance is improved.So as to optimize the credit rating model of small and medium-sized enterprises of G Commercial bank.The main conclusion of this paper is that the original credit rating model of G commercial banks for SMEs lacks relevant indicators for evaluating the credibility of rating objects.This paper regards adding the negative information reflecting whether the ratings object is dishonest in the daily business activities as a new index,rebuilds the credit rating model of small and medium-sized enterprises of G commercial bank,and tests the actual customer samples.It is concluded that the new model after adding the indicators improves the accuracy of G commercial bank's default prediction for loan customers.Thus,the practical application effect of the credit rating model for small and medium-sized enterprises in G Commercial Bank is optimized.