银行小微企业信贷业务风险评价方法设计

Design of Risk Assessment Method for Bank Credit Business of Small and Micro Enterprises

摘要: 中央及地方各级政府为了促进小微企业健康发展，加大对其扶持力度，着重解决小微企业融资问题；信贷业务作为银行的核心业务，也是增加银行经济利润的主要渠道，碍于担保条件制约、财务数据不真实以及不规范经营等现象一直未消除，银行信贷业务风险越来越高。结合实际情况，合理设计信贷业务风险评价方法，构建完善且覆盖全面的风险评价体系，实现小微企业信贷风险有效防范的同时，也能助推小微企业持续稳定发展。

Abstract: The central and local governments at all levels in order to promote the healthy development of small and micro enterprises, increase their support, focusing on solving the financing problem of small and micro enterprises; As the core business of banks, credit business is also the main channel to increase the economic profits of banks. Due to the restriction of guarantee conditions, untrue financial data and non-standard operation, the risks of bank credit business are getting higher and higher. Combined with the actual situation, the credit business risk assessment method should be reasonably designed, and a complete and comprehensive risk assessment system should be built to effectively prevent the credit risks of small and micro enterprises and promote the sustainable and stable development of small and micro enterprises.