Research On Soft Information And Risk Measurement Of Small And Micro Loans In Commercial Banks

Although the significance of supporting the development of small and micro enterprises has been recognized by all walks of life,and the Banking and Insurance Regulatory Commission recently proposed to achieve the "125" goal,it is still very difficult to solve the problem of expensive and difficult financing of small and micro enterprises.Banks have been relatively passive in solving the problem of information asymmetry.It is necessary to explore more suitable indicators and methods to measure the risk of small and micro-loans,to control the risk of small and micro-loans more effectively and cheaply,and to promote the financial inclusion of commercial banks for small and micro-enterprises.This paper tries to find a more suitable method to study the risk measurement of small and micro loans.Firstly,starting from the basic theory of risk measurement of small and micro-loans,through theoretical analysis,this paper expounds the risk sources of small and micro-loans and the shortcomings of existing risk measurement of small and micro-loans;secondly,it comprehensively explains the definition,characteristics and advantages of soft information,deeply explores the relationship between soft information and risk measurement of small and micro-loans,and through questionnaire adjustment.Five annotational indicators will be selected through the classification and screening of evaluation indicators.Then,the weights of evaluation indicators are determined by introducing the Fuzzy Analytic Hierarchy Process(FAHP)combined with Delphi method,and the scoring table of small micro-loan risk measurement is summarized,which can calculate the risk value of small micro-loan,determine the scoring grade,and then judge the risk.Finally,the empirical test is carried out to verify the risk value of 100 small and micro enterprises by using the data of small and micro loans of X Branch of M Joint-stock Bank,which is basically consistent with the actual situation.Fuzzy Analytic Hierarchy Process(FAHP)can make commercial banks measure the risk of small and micro loans more effectively.Empirical research also verifies its effectiveness.In this paper,the risk measurement of small and micro-loans has been explored shallowly,and the scoring table and method of measuring the risk of small and micro-loans through soft information have been obtained,and the implementation suggestions have been put forward:attaching importance to the role of soft information,fully tapping and utilizing the soft information of small and micro-enterprises by using financial technology;exploring the approval mode of combining online and offline,offline and offline.Credit and Assessment Commissioner collects soft information of small and Micro customers on site,and carries out score entry.On-line use of scoring table model,intelligent credit assessment and so on.