Research On The Optimization Of Enterprise Customers Credit Rating Index System Of Huimin Micro-Loan Company

Since the pilot project in 2005,Micro-loan companies have provided support for the financing of "agriculture,rural areas and farmers" and micro and small enterprises in the region,and effectively solved the financing difficulties caused by the high threshold of traditional bank financing channels for some micro and small enterprises.Compared with Banks,the customer structure of micro-loan company is relatively single.The customers are basically micro and small enterprises.The background of the customers is more complex,and the strength of the customers is relatively weak.Credit rating plays a more and more important role in choosing customers and controlling risk.At present,the credit rating index system of micro-loan companies is not maturity and completely.How to optimize the credit rating has become a continuous exploration of micro-loan companies.Approving by the Government of Jiangsu Province,Huimin micro-loan company was established in February 2009.It is one of the earliest microloan companies in Jiangsu Province,with a registered capital of 193.9 million yuan.Its business scope is to provide loans,provide financing guarantees,and develop business agents of financial institutions for agriculture,rural areas and small and micro enterprises.Its current business is mainly to provide loans for micro and small enterprises in the local region.This paper would majorly study Nantong Huimin micro-loan Co.Ltd.By analyzing the non-performing loans of Huimin micro-loan company in recent years,we get the main reason is the poor prior access to loans.It is mainly reflected in the loan business personnel's failure to effectively identify the risk factors that may lead to overdue repayment of the borrower.As the first firewall to control the loan risk,the credit rating indicator system failed to effectively stratify the customers;Then we analyze the existing credit rating index system of Huimin micro-loan company,and summarize the deficiencies,as shown in 1.The applicability of credit rating index system is not strong;2.There is no unified and systematic credit rating index system;3.The setting of credit rating index is not comprehensive;4.The setting of credit rating index score is not standardized;5.The weight of credit rating index is not set;6.The practicability of credit rating is not strong.Referring to the mature research theory and related models of credit rating at home and abroad,we draw lessons from the domestic and foreign commercial Banks.With the aid of analytic hierarchy process(AHP),Huimin micro-loan company's credit rating index system optimized emphatically from the elements,indicators,weight and grade.By using the non-performing loan case,it is proved that the optimized credit rating index system can effectively control the risk,thus reduce the non-performing rate of loans in Huimin micro-loan company.Through the optimization of the credit rating index system,Huimin micro loan company can evaluate and screen the loan customers more reasonably.On the one hand,it can effectively control the risk in the loan access link,reduce the loan defect rate and reduce the business risk of the company.On the other hand,it can alleviate the financing difficulties of micro and small enterprises to a certain extent,and implement the philosophy “benefit the people's livelihood and the public”.