Research On The Improve Nent Of Credit Rating System For Small And Medium Sized Enterprises In Z Bank F Branch

Small and medium-sized enterprises have become an important part of China's economic development.However,SMEs often encounter financing difficulties.This is mainly due to their small scale,unreliable financial data and high operating risks,which in turn leads to commercial banks assign them low credit rating.This has affected SMEs' bank financing,and they cannot meet their financing needs.Therefore,commercial banks should establish a special credit rating system based on SMEs' characteristics to make their credit ratings more applicable and scientific.Taking F Branch of Z Bank as an example,this paper analyzes and optimizes the problems with the credit rating system for small and medium-sized enterprises.It first introduces F Branch of Z Bank's basic information and credit development.Secondly,it provides a detailed introduction of F Branch of Z Bank's existing credit rating system.The analysis of the existing rating system found that its rating procedure is unreasonable,classification of small enterprises is unreasonable and improper selection of indicators and division of weights.Based on the status quo and problem analysis,this study proposes a method to optimize the customer credit rating system for small and medium-sized enterprises in Z Bank F Branch by combining information asymmetry,transaction cost and enterprise life cycle theories: first,it optimizes the operation flow of bank credit ratings;secondly,it establishes a more practical classification standard for small and medium-sized enterprises;finally,it optimizes credit rating index selection and weight division,selects the 22 most representative indexes,and constructs a new credit rating system..In order to combine with actual work,this paper uses the company XX Exuberant New Energy Technology Co.,Ltd as an example to analyze the application of the new credit rating system.Based on a comparison of the results of the new rating system with the old one,it concludes that the new one is more effective in discovering the company's potential problems and is better at helping commercial banks to identify SMEs' credit risk.This paper hopes to improve SMEs' credit rating and reduce bank credit risk by improving the SME credit rating system of Z Bank F Branch,as well as providing theoretical and practical experience for improving SMEs' credit rating system in China's commercial banks.