基于层次分析法的Z分行小微企业信贷风险评价与控制

Credit Risk Evaluation and Control of Small and Micro Enterprises in Z Bank Branch Based onAnalytic Hierarchy Process

本文从从个案分析入手,根据2020年Z分行小微企业的不良贷款率为3.63%,高于我国小微企业不良贷款率的2.99%,并且还高于Z分行整体的不良贷款率的1.48%的现状,在分析Z分行小微企业信贷风险的评价与控制存在问题的基础上,通过层次分析法建立信贷风险评价模型,对Z分行小微企业的信贷风险进行评估,找出了主要影响因素,提出了小微企业信贷风险控制相应的对策,从而更好地促进银行和企业的双赢和健康发展。

Starting from the case analysis,according to the current situation that the non-performing loan rate of small and micro enterprises in Z bank branch was 3.63%,higher than 2.99%of the non-performing loan rate of small and micro enterprises in China in 2020,and higher than 1.48%of the overall non-performing loan rate of Z bank branch as the whole,based on the analysis of the problems existing in the evaluation and control of credit risk of small and micro enterprises in Z bank branch,the credit risk evaluation model was established by analytic hierarchy process.This paper evaluates the credit risk of small and micro enterprises in Z bank branch,finds out the main influencing factors,and puts forward the corresponding countermeasures for credit risk control of small and micro enterprises,so as to better promote the win-win and healthy development of banks and enterprises.