Research On Credit Risk Assessment And Control Of The Core Model In Small And Medium-sized Construction Enterprises

In recent years,the construction industry has been playing a pillar role in the national economy.Due to the industry characteristics of long construction project cycle and slow capital turnover,construction enterprises,especially small and medium-sized construction enterprises,generally have strong financing needs.But small and medium-sized construction enterprise credit qualification is generally poor,enterprise management and financial ability is weak,the construction project contracting with low saturation,partial enterprise repayment ability is weak,the credit risk on the high side,lead to financial institutions to small and medium-sized construction enterprise credit to the whole sceptical,which affect the whole industry loan examination and approval of the guidance,So that enterprises into credit financing more difficult vicious circle.At the same time,in order to implement the political task of inclusive finance,financial institutions also shoulder the historical mission of revitalizing the national economy.With small and medium-sized enterprises as an important target group,financial institutions vigorously promote the high-quality development of inclusive finance and help realize the great vision of common prosperity for all people.Therefore,if small and medium-sized construction enterprises have poor credit status,but have excellent construction project resources,how financial institutions can provide effective credit support and financial services for enterprises,help the healthy development of enterprises,and reduce credit risks reasonably at the same time is the research objective of this paper.This paper takes credit financing of small and medium-sized construction enterprises as the research objective,based on the perspective of credit risk evaluation of financial institutions,taking construction projects as the research entry point,to study the credit risk evaluation system.Firstly,it discusses and draws on domestic and foreign research results,sorts out the theoretical basis of credit risk and the construction principles of evaluation system,and combines the characteristics of the industry to select and add appropriate evaluation indicators related to construction projects to complete the construction of credit risk evaluation models for small and medium-sized construction enterprises.Secondly,through the analytic hierarchy process to complete the weight analysis of the project credit risk evaluation system,selected actual cases through the fuzzy comprehensive evaluation method for credit risk evaluation,analysis and verification of the evaluation results.Finally,combining with the risk evaluation system and starting from each link of the credit process,this paper puts forward reasonable suggestions on the risk control of the project credit of small and medium-sized construction enterprises in commercial banks.In this paper,the research of small and medium-sized construction enterprise credit risk,on the one hand,enterprises can be solved at present the general problems of financing difficulties,financing your can make the enterprise in a relatively short period of time for financial services and can decrease the credit financing costs,avoid enterprise with error conditions due to its excellent construction project resources,realize the healthy and sustainable development of the enterprise;On the other hand,it can not only serve as the basis for the decision of loan approval of commercial banks,improve the asset quality and business income of banks,but also serve as an effective means of post-loan risk monitoring and effectively prevent credit financing risks.At the same time,it is of great social significance to respond to the call of the state,conform to the policy guidance,thoroughly implement the new development concept,and take the opportunity of helping inclusive finance to promote the steady development of social economy.