Research On The Credit Evaluation System Of Small And Micro Businesses On The Z Bank

With the continuous improvement and development of the Chinese Socialist market economy industry,small and micro enterprises have created enormous employment opportunities and gradually become one of the most important parts of our market economy.In recent years,the financing difficulties of Chinese small and micro enterprises have not been effectively alleviated due to the combination of various factors,such as the insufficient internal management level of practitioners and the market Information asymmetry.The key to solve this problem lies in exploring various effective ways to reveal the problem and establishing a credit risk evaluation system for small and micro enterprises.This paper takes Z Bank as the research object,combines the present situation of the financing market of the small and medium-sized enterprises of Z Bank and the existing enterprise credit evaluation system,and identifies the main customers of the small and medium-sized enterprises of Z Bank,which are the clients of the construction industry,and for such customers to improve the related credit risk assessment system.First of all,this paper explains the research background,significance and domestic and foreign scientific research status,research methods.Secondly,through the introduction of credit risk-related theoretical knowledge and how to define small and micro enterprises,laid the theoretical foundation for the following.Thirdly,the paper describes the existing problems in the credit risk assessment of small and micro enterprises in Z Bank,and identifies the main problems that customers in the construction industry have exposed in the financing process of Z Bank.Then,according to the specific situation of small and micro enterprises in the construction industry,the paper puts forward the improvement scheme of the credit risk evaluation index of Z Bank.Finally,the paper verifies the feasibility and validity of the credit risk evaluation system of small and micro enterprises in construction industry,and puts forward some measures to improve it.The results of this paper can reduce the credit risk of Z Bank to a certain extent,and also help Z Bank to enhance its competitiveness to micro-enterprise customers.At the same time for improving the financing difficulties of small and micro-enterprises has a certain significance.In addition,the results of this paper also have a certain reference significance for other banks to build a credit evaluation system for small and micro enterprises in the construction industry.