Research On Credit Risk Rating And Prevention Mechanism Of Small And Micro Enterprises In Banks Based On Fuzzy AHP

Under the environment of rapid macroeconomic development in our country,the capital market is developing vigorously at multiple levels,the social development is more and more inseparable from small and micro enterprises,and the customer groups of banking institutions are constantly sinking.In the face of new forms of change,many financial institutions have focused their strategies on micro and small enterprises.On the other hand,many financial institutions currently have only risk control systems for medium-sized and large companies and lack credit rating systems for small and medium-sized enterprises.Therefore,there is an urgent need to adapt to changes in trends and introduce rating systems for small and medium-sized enterprises.In this paper,according to the characteristics of micro and small enterprises,reference is made to the mature wind control system at home and abroad,and a realistic and feasible wind control rating system for micro and small enterprises is constructed based on fuzzy analytic hierarchy process.This paper analyzes the existing problems in credit rating of micro and small enterprises in China,and then constructs the credit rating model of micro and small enterprises according to the characteristics of credit rating of micro and small enterprises.Based on the calculation method of fuzzy analytic hierarchy process,the index weight of each layer of rating is calculated,and a rating model is constructed.This paper focuses on the qualitative and quantitative research methods,adopts fuzzy analytic hierarchy process to establish the credit rating system of small and micro enterprises,and combines the actual case to test and verify.The results show that the credit rating of micro and small enterprises is feasible and can provide some reference meaning to the financial system.Based on the empirical results,this paper puts forward a series of preventive measures,including pre-loan preventive measures,in-loan preventive measures,post-loan management measures,and other preventive measures.