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Research On The Optimization Of Credit Evaluation System For Small And Medium Sized Enterprises In GD Bank

Posted on:2019-11-09Degree:MasterType:Thesis
Country:ChinaCandidate:D GuanFull Text:PDF
GTID:2439330596463571Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Although SMEs play an important role in the development of China's market economy,the problem of difficult financing and expensive financing has not been effectively solved.The first reason is that the financial data of small and medium-sized enterprises can not meet the standards,and the ability of SMEs to resist risks is poor.Two,the bank's credit rating for small and medium-sized credit entities is not timely and accurate enough to make banks reluctant to lend.With the trend of banking supervision from 2017 to 2018 becoming more and more severe,the financing difficulties of SMEs are worse.Firstly,this paper combs the domestic and foreign research results of credit evaluation theory,and clarifies the research contents and ideas of the article.Secondly,on the basis of explaining the relevant concepts,this paper investigates GD bank's customer credit rating system and credit management status through questionnaire survey,and analyzes the defects and causes of GD bank's existing credit evaluation methods.Thirdly,according to the causes of the defects,the current credit evaluation method system of GD bank is optimized and improved.Firstly,in the selection of evaluation indicators,quantitative indicators are selected by summing up the theoretical experience of credit evaluation of SMEs at home and abroad.Qualitative indicators are selected by expert interviews and questionnaires.Secondly,in the determination of index weight,the index weight is allocated by AHP,and the dynamic factors are taken into account.The third is to formulate a new index scoring criteria;ultimately to achieve the optimization and upgrading of the credit evaluation system,accuracy,practicality and applicability have been strengthened.Finally,in order to ensure the smooth implementation of the optimization scheme,the paper puts forward some countermeasures and suggestions from several aspects,such as perfecting the relevant system,strengthening the management after lending,and strengthening the credit innovation.
Keywords/Search Tags:credit evaluation system, analytic hierarchy process(AHP), dynamic factors, small and medium-sized enterprises, small and medium-sized banks
PDF Full Text Request
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