Research on credit evaluation and credit line
management of commercial banks for small and
medium-sized enterprises
——Take the Branch F of Bank Y as an example
Abstract
The opening and prosperity of the market, economy, and society and the support
of national policies provide a healthy environment for the development of small and
medium-sized enterprises. Under this environment, small and medium-sized
enterprises thrive and gradually show more and more important roles. According to
statistics, more than 65% of patents, 75% of the technological innovation, and 80% of
new products come from small and medium-sized enterprises. Small and
medium-sized enterprises play a very obvious role in social and economic life and
have made great contributions to the growth of the national economy, the promotion
of labor employment, and domestic scientific and technological innovation. In order
to support the development of small and medium-sized enterprises, the state has
issued a number of policies in recent years, vigorously promoting the financial
services of commercial banks to small and medium-sized enterprises, and ensuring
that SMEs can get enough financial guarantee in the operation and development. For
commercial banks, the financial transparency and operation stability of small and
medium-sized enterprises are far weaker than those of large enterprises, therefore, the
risk of credit financing is higher. As a result, how to optimize the credit evaluation
and credit management of small and medium-sized enterprises by commercial banks,
while ensuring the full access to financing support of small and medium-sized
enterprises and controllable credit risk of commercial banks, has become one of the
hot research issues.
This paper studies the credit evaluation index system of small and medium-sized
enterprises in commercial banks. Firstly, this paper combs and summarizes the
relevant literature on the financing problems of small and medium-sized enterprises,
the credit evaluation model and index system of small and medium-sized enterprises,
as well as the basic theories and risk evaluation methods of credit risk control of small
and medium-sized enterprises. Secondly, it analyzes the development status of small
and medium-sized enterprises in China and the risk control status of small and
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medium-sized enterprises in commercial banks, and summarizes the overall situation
of credit evaluation and credit management of small and medium-sized enterprises.
Thirdly, this paper makes an in-depth study on the construction of the credit
evaluation system of small and medium-sized enterprises from the two levels of
financial factors and non-financial factors. The financial factors are based on the
operation of small and medium-sized enterprises, focusing on the indicators such as
profitability, solvency, operation ability and development ability; Non financial
factors are mainly composed of internal and external influencing factors that cannot
be reflected in the enterprise's financial statements, mainly including industry
conditions, enterprise competitiveness, enterprise basic quality and historical
performance, so as to form an index system for commercial banks' credit evaluation
of small and medium-sized enterprises. Finally, the principal component analysis
method The fuzzy comprehensive evaluation method and other tools make an
empirical analysis on the credit evaluation and credit management of c small and
medium-sized enterprises by F branch of bank y. The calculation results verify the
effectiveness of the model. The credit evaluation index system proposed in this paper
can accurately identify the credit risk of small and medium-sized enterprises. This
study provides a valuable reference for the lending decision-making of commercial
banks and other credit institutions, and can alleviate the financing difficulties of small
and medium-sized enterprises to a certain extent.
Key words: SMEs, credit financing, credit evaluation, empirical
analysis
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目录
中文摘要...........................................................I
Abstract..........................................................II
第一章 绪论.......................................................1
1.1 研究背景与研究意义..........................................1
1.1.1 研究背景....................................................... 1
1.1.2 研究意义....................................................... 2
1.2 文献综述....................................................3
1.2.1 国外研究现状................................................... 3
1.2.2 国内研究现状................................................... 6
1.2.3 研究述评....................................................... 9
1.3 研究内容与研究方法.........................................10
1.3.1 研究内容...................................................... 10
1.3.2 研究方法...................................................... 11
1.4 本文技术路线、创新与不足之处...............................11
1.4.1 技术路线...................................................... 11
1.4.2 研究创新...................................................... 12
1.4.3 不足之处...................................................... 13
第二章 基本概念与理论基础........................................14
2.1 基本概念界定...............................................14
2.1.1 中小企业...................................................... 14
2.1.2 企业信用评价.................................................. 14
2.1.3 授信额度管理.................................................. 15
2.2 商业银行信用评价和授信额度管理相关理论.....................15
2.2.1 信息不对称理论................................................ 15
2.2.2 信用评价理论.................................................. 15
2.2.3 信贷配给理论.................................................. 16
第三章 商业银行中小企业信用评价现状..............................17
3.1 中小企业融资现状及存在的问题...............................17
3.1.1中小企业特点及融资现状 ........................................ 17
3.1.2中小企业融资存在的问题 ........................................ 17
3.2 商业银行对中小企业信用评价现状与存在问题...................19
3.2.1 商业银行对中小企业信用评价现状................................ 19
3.2.2 商业银行对中小企业信用评价存在问题............................ 19
第四章 商业银行对中小企业信用评价指标体系构建....................21
4.1 中小企业信用评价指标体系构建的前提与原则...................21
4.1.1 构建前提...................................................... 21
4.1.2 基本原则...................................................... 22
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