Research On Credit Rating Of Small And Medium-sized Enterprises Of China Construction Bank L Branch Based On Grey Correlation Model

At present,the credit rating system currently being used by the L branch of China Construction Bank is not perfect,especially the lack of a credit rating system that closely matches the customer base of SMEs.This situation has led to the slow development of the credit business of the L branch.By improving and perfecting L branch’s credit rating system for SMEs,the accuracy of L branch’s credit evaluation of SMEs will be improved.The research starts from the theoretical basis of SMEs and credit rating.Based on the problems and causes of the credit rating of SMEs in the L branch of China Construction Bank,an attempt was made to build a credit rating system for SMEs in the L branch of China Construction Bank.First,select appropriate evaluation indicators based on the original indicators.Second,determine the weight of each indicator in the rating system according to the analytic hierarchy process.Finally,based on the gray correlation model,a comprehensive evaluation of the credit ratings of SME customers of the L branch of China Construction Bank.Through case analysis,the rating system based on the grey correlation model more intuitively reflects the credit level of different companies in the industry than the original system.The evaluation results are more comprehensive and reliable than those obtained by the original system.The grey correlation model serves as the reference basis for the L branch to reasonably formulate the credit rating of SME customers,and has certain practical application value.Combining the research conclusions and the development status of L branch,the following four feasible suggestions are put forward for the improvement and perfection of the credit rating system of small and medium-sized enterprises in L branches:build a professional credit rating team;carry out business exchanges and theoretical learning;continuously optimize the credit rating system;strengthen the electronic construction of customer files.