Research On Credit Risk Management Of Small And Medium-sized Enterprises In M Internet Financial Institution

In China's economic market,small and medium-sized enterprises play a more and more critical role,can solve the employment problem to a certain extent,and is conducive to the realization of technological innovation and de-velopment,and plays an increasingly important role in China's economic development.In recent years,with the development of Internet economy,Internet Finance has become a new financial form after the banking industry.Therefore,it also promotes the development of credit business of small and medium-sized enterprises in Internet Finance.However,compared with large and medium-sized enterprises,small and medium-sized enterprises are not strong in risk prevention and risk resistance,so it is easy to cause credit risk of small and medium-sized enterprises in Internet Finance.Therefore,how to effectively prevent the credit risk of small and medium-sized enterprises has gradually become the focus of Internet financial managers.This paper takes M Internet Financial Institution as an example to explore the credit risk management of small and medium-sized enterprises.First of all,through the summary of the relevant research results at home and abroad,this paper makes clear the background and significance of this study,the status quo of related research at home and abroad,and constructs the research framework of this paper.At the same time,referring to the relevant research results at home and abroad,the paper summarizes the concepts and theories involved in the research process,which lays a theoretical foundation for the development of the full text.Then,taking M Internet Financial Institution as an example,the paper summarizes the development status of small business credit business.At the same time,we use expert survey method(Brainstorming+Delphi Method)to identify the credit risk factors of small and medium-sized enterprises in M Internet Financial Institution.Then,based on AHP method and efficiency coefficient method,the credit risk evaluation system of small and medium-sized enterprises is constructed,which provides the basis for risk management of M Internet Financial Institution.Finally,in view of the credit risk of small and medium-sized enterprises in M Internet Financial Institution,the corresponding countermeasures and suggestions are put forward.Through the research of this paper,we can see that although the credit business of small and medium-sized enterprises of M Internet Financial Institution has been developing rapidly,there are still some credit risks.By using the method of expert investigation,this paper obtains the credit risk factors of small and medium-sized enterprises,including four aspects:Credit Portfolio Index,credit operation quality index,credit operation cost index,and credit operation robustness index.The weight of each credit risk index is obtained by AHP method,and the credit risk evaluation value of M Internet Financial Institution in the 2017-2019 is obtained by efficiency coefficient method,which are 97.81,96.02 and 96.99 respectively.This result shows that the risk assessment system established in this paper can provide decision-making basis for the credit risk management of small and medium-sized enterprises in M Internet Financial Institution.Finally,in view of the credit risk factors of small and medium-sized enterprises in M Internet Financial Institution,this paper puts forward corresponding countermeasures from three aspects:strengthening the construction of credit risk organization level of the platform,keeping the credit index value in a reasonable range,and optimizing the work focus of risk control departments.The purpose of this paper is to enhance the support of Internet Finance to SMEs,at the same time,to use scientific and reasonable methods to avoid the risks contained in it,to promote the good operation of the credit business of Internet Finance SMEs,to improve the financing environment,so that the interests of all parties are met.