Research On Credit Risk Assessment Of Middle And Small-sized Enterprises-take Rural Commercial Bank C For Example

In recent years,in order to further strengthen the important role of small and medium-sized enterprises in the national economy,accelerate their development and solve their financing problems,from the central to the local areas,special policies,assessments adjustment and other methods have been adopted to guide the banking industry to increase support for financing.However,due to the lack of special sme assessment mechanism and risk control measures,most Banks dare not lend,are unwilling to lend or even lend conditionally in the face of the current situation of smes such as industry dispersion,information asymmetry and lack of collateral.C bank of agribusiness is a based on local development,adhere to the service "three rural",small and medium-sized enterprises and local economy of the city's largest rural commercial bank,how to actively respond to national policy,study a set of suitable for the bank risk assessment method of small and medium-sized private enterprises,both can control risk and can increase the intensity of financial support,become the problem C agri-businesses Banks must face and face.Based on this background,on the theoretical basis of the research on credit risk assessment methods,this paper refers to the research on the establishment of credit risk assessment methods and assessment models in advanced Banks and literatures at home and abroad,and finally selects the Logistic regression model as the main applied research model of this paper through comparison.Based on the analysis and summary of the loan situation of small enterprises in the past five years in C rural commercial bank,the author analyzed,confirmed and extracted the indicators of influencing factors of credit risk of small and medium-sized enterprises in C rural commercial bank.The indicators of the Logistic regression model were selected from 670 enterprises with loans from rural commercial bank of China(RCB)and the Logistic model formula was finally obtained.The final comprehensive prediction accuracy was 89.55%,with a high accuracy.The future application and improvement of the model were also discussed.The main research of this paper is as follows:In the first chapter,the background and significance of the research are described,and the related research literature at home and abroad is sorted out.The second chapter generalizes the present state for credit risk control and research,especially for C to the bank loan business,risk management present situation and the problems are analyzed,and suggests that C bank mainly exists in the risk management is incomplete,lack of effective internal control measure risk model,credit personnel professional quality is not high,high loan risk and docking of several aspects,such as lack of information;Chapter three analyzes the influencing factors of the credit risk related to bank C,and extracts the credit risk indicators of bank C into three categories,namely financial indicators,non-financial indicators and the unique credit risk indicators of bank C.In chapter 4,on the basis of the indicators in chapter 3,the sample selection,Logistic model establishment and test of the loan credit risk of small and medium-sized private enterprises in bank C are carried out,and then the improvement of risk control of bank C is carried out according to the analysis results.Chapter five is the conclusion and prospect of this thesis.The research results show that if the corporate interest rate rises rapidly,the company's capital flows quickly,profits are high,the company's capital is strong,the repayment ability will be greater.At the same time,the credit situation of small and micro enterprises is getting better and better.More and more small and medium-sized private enterprises are willing to fulfill their obligations,and their repayment ability is relatively enhanced.The national economic activities are increasing day by day.According to classification prediction,the overall prediction accuracy is 90.00%.Therefore,the model shows better discrimination and better accuracy of prediction.Finally,according to the causes of existing risks and the results of empirical analysis,three Suggestions and countermeasures are put forward to strengthen the risk management of small and medium-sized private enterprise loans of J rural commercial bank.