Research On Credit Risk Assessment Of Small And Micro Loans Of Commercial Banks

In recent years,small and micro loans continue to flourish,but its risks cannot be ignored.Small and micro enterprises have weak ability to bear the market economic turbulence,and small fluctuations in the market may cause the capital turnover failure of small and micro enterprises.In addition,it is difficult for commercial banks to fully grasp the operation information of small and micro enterprises,which leads to certain difficulties in the specific credit evaluation of commercial banks;in addition,the lack of financial mechanism in the operation of small and micro enterprises will also bring certain risks to the credit business of banks and small and micro enterprises.However,small and micro enterprises are very important for the development of market economy in our country,and their large number accounts for a large proportion in the market economy.At present,some domestic banks have begun to explore new modes of credit business cooperation with small and micro enterprises,and have made great progress,which has also stimulated the whole banking industry to a certain extent,and will gradually attract the attention and attention of major banks.In addition,in the context of the current era,interest rates are increasingly market-oriented,and market space is gradually compressed,Major banks will cooperate with small and micro enterprises in succession.In the demonstration and analysis of this paper,case analysis and comparative analysis are mainly used.After research and analysis,the results show that in recent years,Shengyidai gradually occupies a certain position,leading to the change of credit risk;due to the large number of customers of China Merchants Bank,the number of new small and micro enterprises has also been significantly improved;attention is paid to the innovation of credit product model,and strive to be the same as To meet the comprehensive needs of different types of small and micro customers.This paper uses case analysis and comparative analysis to sort out and analyze the ways and contents of the cooperation and development of commercial banks and small and micro enterprises under the background of the current era,and to clarify the service and development direction of the current financial industry.In the era of big data information,commercial banks must make clear the corresponding market positioning,have a deep understanding of the whole market,and pay real-time attention to the changes in the market dynamics.Once there is a change,carry out several hide market analysis,predict and test the risks faced,take preventive measures and response measures to minimize the impact of risks.In this paper,the elaboration and analysis of business loans of China Merchants Bank is not detailed enough,and the research on the cooperation mode between domestic commercial banks and small and micro enterprises in the era of big data has not yet been in-depth analysis and research,which needs further efforts.