Research On The Improvement Of Credit Risk Evaluation Of Small And Micro Enterprises In SDJY Rural Commercial Bank

Under the new normal of the economy,"financial disintermediation" is unstoppable,and the financing needs of many high-quality large enterprises can often be directly met in the capital market,causing commercial banks to lose many customer resources.In order to make up for this loss,commercial banks have gradually turned their attention to small and micro enterprises.In this context,SDJY Rural Commercial Bank has been deepening the credit market for small and micro enterprises in recent years,and continuously improving its influence in this market.However,at present,SDJY Rural Commercial Bank’s evaluation of the credit risk of small and micro enterprises mainly relies on the person in charge of the credit business to judge the situation of various risk indicators of small and micro enterprises through investigation and verification.Business personnel are often interfered by subjective factors such as historical experience,relationship intimacy,risk preference,etc.,and the analysis results are easy to deviate from the objective reality,increasing the bank’s credit risk.Faced with this situation,SDJY Rural Commercial Bank urgently needs to improve the existing evaluation methods,evaluate the credit risks of small and micro enterprises more accurately and comprehensively,and at the same time help more highquality small and micro enterprises to achieve stability and long-term success.Combining with the actual situation of SDJY rural commercial bank,this paper uses the analytic hierarchy process and fuzzy comprehensive evaluation method to establish a credit risk evaluation model for small and micro enterprises through MATLAB software.The main conclusions of this paper are:1.Established a credit risk evaluation index system for small and micro enterprises,including 6 criteria indicators including macro environment,market position,managerial quality,solvency,profitability,and corporate credit,as well as 20 factor indicators.The analytic hierarchy process is used to determine the weight of each index,and all of them pass the consistency test.At the same time,the fuzzy comprehensive evaluation method is used to obtain the evaluation score of the credit risk of small and micro enterprises.The improved evaluation method is more objective,scientific and accurate than before.2.Taking Company X as an example,according to the improved evaluation method,it is determined that its credit risk is at a low level,and the feasibility and effectiveness of the improved evaluation model are verified.It is hoped that the research in this paper can provide opinions and suggestions for SDJY Rural Commercial Banks to reform the traditional management mode and expand the credit business of small and micro enterprises.