Research On Credit Rating System On Small And Micro Enterprises Of Rural Commercial Bank

Small and micro enterprises have been growing up as an active organization in our nation economy.But in this progression,financing is the main obstacle they have to face.it is found out that fault of small and micro enterprises and Information Asymmetry between banks and enterprises lead to the conflict of loan approve on enterprises financing.TO establish and improve credit ratting system for small and micro enterprises is an efficient way to solve the problem.This essay study the credit ratting system for small and micro enterprises by using the history data and expert experience to find out a credit ratting tool for rural commercial bank,which including credit ratting indexs and credit ratting model.Firstly,this article reviews the research results about the credit risk management of small and micro enterprises.Then outlines the related theories of small and micro enterprises loan and credit risk management.And introduces the current situation of riskmanagement in our country.The following part focus on the stablish of credit ratting indexs of microenterprises oriented.Lastly,based on the theories and credit ratting indexs before,and loading history data as research samples from N rural commerial bank,this essay found out the credit ratting model through logistic statistic method,which model is suitable to rural commerial bank.The research of the thesis will help to reduce the credit risk of N rural commercial bank and help N rural commercial bank to enhance the competitiveness of s small and micro enterprises,and it is important to improve the financing difficulties of small and micro enterprises in the region.At the same time,the research of the thesis also has some reference for other local commercial banks to establish the credit rating system suitable for small and micro enterprises.