Research On Evaluation Index System For Customer Credit Risk Of Wanyi Micro-credit Company

In recent years,companies in the microfinance industry generally have problems with inadequate risk management systems and difficulties in loan recovery.The industry's operating risks are becoming increasingly severe.Wanyi Micro-credit Company was established locally in Huizhou.With the expansion of the company's business scale,customer credit risk management problems frequently occur,and a set of scientific customer credit risk evaluation index system is constructed to achieve from the perspective of reducing customer credit risk The smooth operation of the capital chain to enable the company to develop sustainably is a problem that Wanyi Microcredit Company urgently needs to solve.The research content of the thesis includes six chapters.Take a combination of normative analysis and empirical research,and conduct research based on the theory of micro-credit and credit risk.First,introduce the current business situation and current status of credit risk management of Wanyi Micro-credit Company,and analyze the existence of credit risk management of the company.The problems and causes are summed up due to the lack of a scientific and comprehensive customer credit risk evaluation index system.Furthermore,by conducting in-depth interviews and issuing questionnaires to company employees and practitioners in the industry,the credit risk evaluation indicators of loan customers were selected,and the analytic hierarchy process was used to give weight to each indicator,thereby constructing a credit risk evaluation score sheet and credit risk.Rating,and the effectiveness of this evaluation index system is verified.The research in this paper shows that credit risk evaluation plays a vital role in the overall credit risk management.The construction of a scientific customer credit risk evaluation index system can standardize the practical operation of Wanyi Micro-credit Company in loan approval and post-loan management,Improve the company's ability to identify and manage risks,and provide important evidence for the company to make important decisions such as the amount,term and interest rate of loan disbursement.The paper introduces the analytic hierarchy process into the customer credit risk evaluation index system,which makes the customer credit risk evaluation of Wanyi Micro-credit Company more scientific and objective.At the same time,it mathematicalizes the decision-making process and improves the work efficiency.It can also provide useful reference for risk management in the same industry.