A Study On The Credit Evaluation Model Of S-guarantee Company And Its Application

With the development of China's economy,the number and scale of all kinds of enterprises are increasing,but these enterprises are often faced with financing difficulties in the process of development.To some extent,financing guarantee companies alleviate the financing difficulties of many enterprises,but in the process of guarantee,they also inevitably face some risks,the most important of which is the credit risk of guarantee customers,which requires us to effectively control these risks and build a reasonable risk control mechanism.The main research object of this paper,s-guarantee company,relies too much on the experience of managers in the customer credit evaluation system,which shows the lack of risk control,so establishing a systematic customer credit evaluation system of s-guarantee company becomes the focus of this paper.First of all,this paper introduces the research background and significance,the research status at home and abroad,the related concepts and theories of credit evaluation and credit guarantee,and expounds the basic situation of s guarantee company and its customer group,the current customer credit evaluation system and guarantee charging system,and introduces the relationship between guarantee charging and customer credit risk,through comparison and reference to Chongqing Construction This paper summarizes the limitations of the current customer evaluation system of s guarantee company.Secondly,it introduces the objectives and principles of customer credit evaluation,selects customer credit evaluation indicators,constructs customer credit evaluation indicator system and calculates the weight by using AHP,determines credit score by using fuzzy comprehensive evaluation method,and gives reference on how to select underwriting customers.In this paper,a customer is taken as an example to simulate the operation of s guarantee company's customer credit evaluation model,and then several guaranteed customer credit evaluation results are summarized based on the model.By analyzing the correlation between the evaluation results and the guarantee rate,the calculation formula of the guarantee rate under the model is obtained,and the above credit evaluation model and the guarantee rate regression model are selected to test the feasibility,Finally,the application conditions of the above models are analyzed and summarized.This paper designs a set of customer credit evaluation model for s-guarantee company and analyzes the calculation method of guarantee rate.Finally,it puts forward countermeasures and suggestions for customer credit evaluation of s-guarantee company from two aspects.In order to find an effective way for s-guarantee company to control customer credit risk,and put forward new ideas for risk control of the guarantee industry,and improve the credit environment of SMEs' loans from the perspective of customer credit and fees.