Study On Assessment And Management Of Small And Micro Enterprises Credit Risk In Q Bank

China's small and micro enterprises "financing difficult,financing expensive" has been a concern.The CPC central committee and the state council have always attached great importance to the role of small and micro businesses in the market economy,and have issued a number of policies and measures to help small and micro businesses finance and develop.In recent years,commercial Banks through financial innovation,to perform the social responsibility,in the aspect of support the development of the small micro enterprise financing has made positive efforts,but from the point of risk prevention and control of the actual,small micro enterprise financing credit risk is more and more become the focus of the commercial bank credit risk prevention and control,especially city commercial bank credit risk.As a local legal person city business in Z city,Q bank has developed over several decades with an asset size of over 100 billion and 8 branches outside the city.The assessment and management of credit risks of small and micro enterprises will directly affect the subsequent development of Q bank.In this paper,two different analytical methods,analytic hierarchy process and Logistic regression analysis,were used to evaluate the relevant credit risks in combination with the actual situation of Q bank's credit granting small and micro enterprises,and Suggestions were put forward for improving the credit risk management level of small and micro enterprises.Analytic hierarchy process(ahp)based on the expert opinion,set up the quality and so on six aspects include actual controller,19 risk impact factor Q bank small micro enterprise credit risk evaluation index system,finding out the main risk factors,based on borrowing enterprises' comprehensive contrast evaluation system covers the index scores,scoring results and evaluation index system of weights of the indexes in multiplication,the index calculation results of multiplication after sum,loan risk assessment of enterprise value can be calculated.Logistic regression analysis was established on the basis of the detailed loan records of Q bank for small and micro enterprises from 2015 to 2019,and the Logistic regression equation with high prediction accuracy was established by using SPSS statistical software,through data screening,model building,model testing,model testing and other links,and the credit score model of small and micro enterprises was established.According to the analysis results of the above two models,the corresponding risk management Suggestions are put forward at last.