Study On Evaluation Method Of Credit Risk Management Of Small And Medium-Sized Enterprises In G Bank

Financial industries are the core of the contemporary economics and commercial banks are the major consistency of the financial industries.Commercial banks’ special markets position,wild social connection and far-reaching influence makes them become the risky concentrated focus.Financial markets in our country have deficiency in stability and few selections in financial tools.Services provided by commercial banks in our country mostly distributed on the credit loan business,therefore,encountered risks of commercial banks in our country are mainly focus on the credit risk of loaning services.Small and medium-sized enterprises occupy a very important position in the national economic system of our country.But its own system is not perfect and the credit risk system of small and medium-sized enterprises in commercial banks is not perfect,which makes it difficult for small and medium-sized enterprises to finance in banks.The financing difficulty of small and medium-sized enterprises has been restricting their sustainable development.Small and medium-sized enterprises generally have low information transparency,weak financial strength,poor anti-risk ability,high bad debt rate,poor business operation,weak ability to repay,and greater overall risk.At the same time,commercial banks also have some problems such as the need to strengthen risk control consciousness,imperfect credit system,imperfect operation and management mechanism,absence of supervision and review before and after loans,and unsatisfactory management of non-performing loans.Taking G Bank as an example,this paper points out relevant problems existing in the credit risk management of SMALL and medium-sized enterprises based on the basic situation,loan status and credit risk management status of small and medium-sized enterprises of G Bank.Then,the financial situation and various non-financial information of 300 small and medium-sized enterprises in G Bank are empirically analyzed by Logistic model.Through the analysis,it points out the influence of relevant indicators on the credit risk default situation,and verifies that the accuracy of the model can be improved by adding multi-channel data information.On this basis,it puts forward reasonable suggestions for the problems existing in the credit risk management of SMALL and medium-sized enterprises of G Bank.The study of this paper can further improve the credit risk management ability of SMES of G Bank.It also provides study ideas for solving the problem of information asymmetry between commercial banks and small and medium-sized enterprises,and has certain reference significance for credit risk management of small and mediumsized enterprises in commercial banks.