Research On Credit Risk Evaluation System Of Small And Micro Enterprises In Xuzhou Branch Of ADBC

In recent years,the total industrial output value of small and micro enterprises accounts for more than 60% of the total national share,and its position in the national economy cannot be ignored.Since the 19 th National Congress of the CPC and the government have strengthened the policy of financial services to the real economy.As the "Bank of the government",ADBC has started to support small and micro enterprises as a political task.However,ADBC lacks a credit risk evaluation system for small and micro enterprises.Therefore,how to determine and establish a credit risk evaluation system suitable for small and micro enterprises has become an urgent task for ADBC to develop small and micro enterprise credit business.Based on the review of relevant research at home and abroad,this paper first selects 20 credit-abiding small and micro enterprises and 20 credit dishonest enterprises from the loan database of Xuzhou branch of ADBC from 2019 to 2020,and selects 8 financial data with significant differences as credit risk evaluation indicators by t-test and Mann-Whitney U test.Secondly,factor analysis method is used to integrate 8 key indicators of credit risk evaluation into comprehensive factors.After the effectiveness of comprehensive evaluation factor Y is verified by regression analysis using two class variable logistic model,and the comprehensive factor value with the minimum number of misjudgments is determined as the credit risk evaluation standard of small and micro enterprises.Finally,10 samples of credit-abiding and credit dishonest enterprises in the database of small and micro enterprises of ADBC were selected to verify the effectiveness of the above risk evaluation system,and the success rate of identification was as high as 90%.In this paper,the credit risk evaluation system of small and micro enterprises with high accuracy is constructed by mathematical modeling,which to some extent complements the relevant research on the credit risk evaluation of small and micro enterprises of policy financial institutions;the existing credit risk evaluation index system of Xuzhou branch of ADBC is improved by using quantitative analysis method;the credit risk evaluation of small and micro enterprises of Xuzhou branch of ADBC is constructed by selecting factor analysis method The model and the least misjudged quantity method can be used to determine the credit risk evaluation standard for other financial institutions.