Research On Credit Evaluation System Of Small And Micro Enterprises In Z Agricultural Commercial Bank

With the development of China's market economy,small and micro enterprises have become an important force in the development of China's national economy.Small and micro enterprises have always faced difficulties in financing and financing.Commercial banks have underestimated the credit rating of small and micro enterprises due to the small scale of assets,lack of collateral,and poor transparency of financial data.The credit evaluation system is not applicable to small and micro enterprises.Banks should optimize the micro-enterprise credit evaluation system for small and micro enterprises,so that credit rating for small and micro enterprises is more scientific and accurate,and expand the business scope of commercial banks and increase profits..This paper analyzes the status quo of the small and micro enterprise credit evaluation system of Z Agricultural commercial bank,and finds that it has problems such as excessive proportion of financial indicators and unscientific credit evaluation indicators.In view of the existing problems,this paper optimizes the credit evaluation system of small and micro enterprises of Z Agricultural Commercial Bank.This paper firstly sorts out the most commonly used quantitative indicators in the rating system by consulting a large amount of literature and internal bank documents.Secondly,it uses the principal component analysis method to filter the indicators,and adds the cash flow series indicators to the quantitative indicators,and then uses the Delphi method.The qualitative indicators are selected,and the weights of the quantitative indicators and the qualitative indicators are calculated by the analytic hierarchy process.Finally,the quantitative index scores are determined by the efficacy coefficient method,and the qualitative indicators are determined by the Delphi method.The enterprise credit evaluation system is optimized.This paper analyzes the effect of Z Agricultural Commercial Bank credit evaluation system after application optimization,compares it with Z Agricultural Commercial Bank before optimization,and compares it with other rural commercial banks in the industry.It is found that the optimized credit rating system can promote Z Agricultural Commercial Bank business.The growth of small and micro enterprise loans in the bank,while reducing the cost of credit,enhanced the competitiveness of Z Agricultural Commercial Bank in the credit field of small and micro enterprises,improved the efficiency of small and micro credit business of Z Agricultural Commercial Bank,and improved the financing difficulties of small and micro enterprises in the region.It has very important significance and has certain reference significance for other local commercial banks to optimize the credit rating system of small and micro enterprises.