Research On Credit Risk Evaluation System Of Small And Micro Enterprises Of Bank P

The number of small and micro enterprises in China accounts for more than 90% of the total number of enterprises,contributing more than 80% of the jobs,more than 70% of the invention patents,more than 60% of the GDP and more than 50% of the tax revenue.They play an irreplaceable role in the national economic and social development,especially in providing jobs,promoting urbanization,promoting scientific and technological innovation,promoting economic growth and maintaining social stability It plays an important role.The state has issued a large number of policies to support the development of small and micro enterprises and solve the financing problems of small and micro enterprises.As the most important financing channel for small and micro enterprises,banks bear important economic and social responsibilities.Due to the large number of small and micro enterprises,there is a huge demand for loans.But at the same time,the uncertainty of its operation leads to its high credit risk.Banks are faced with the dilemma of large scale and high risk of small and micro enterprises' overall credit.The development of credit risk evaluation system of small and micro enterprises is not matched,which is difficult to adapt to the current situation of the vigorous development of small and micro credit business in China,which has become an urgent problem for financial institutions in China.This paper takes p bank's credit business as the research object,and through the analysis of P bank's situation,it studies the credit risk evaluation system of small and micro enterprises suitable for P bank.First of all,it introduces the research background,significance and purpose,research status at home and abroad,and research methods of this paper.Secondly,the definition of small and micro enterprises and their risk characteristics,credit risk management theory and credit risk evaluation theory are analyzed,which lays a theoretical foundation for the paper.Then,from the current system and personnel allocation of small and micro enterprise credit business of bank P,combined with the current credit situation of small and micro enterprise of bank P,it is concluded that the credit risk assessment model of small and micro enterprise credit risk assessment system of bank P is not accurate,the credit management department is set up irrationally,the management and supervision on behalf of the latter is insufficient,the concentration of credit industry is toohigh,and the credit risk management training of employees is not enough In place and other issues.Fourth,starting from the financial and non-financial factors,the paper selects eight dimensions of profitability,operation ability,debt paying ability,progress ability,enterprise evaluation,legal person evaluation,product evaluation,industry and regional evaluation to build the credit risk evaluation index system of small and micro enterprises,uses Delphi method and AHP to determine the index weight,and uses efficacy coefficient method and expert scoring method respectively The financial indicators and non-financial indicators are measured,and the credit risk rating table is established.Finally,the paper selects the case of small and micro enterprises to apply the designed credit risk evaluation system,analyzes the application of the credit risk evaluation index system,and puts forward the supporting measures to improve the credit risk evaluation system.I hope this study can play a positive role for bank p to improve the credit risk evaluation system of small and micro enterprises.