SMEs are vital for new quality productivity but face credit disadvantages due to poor stability and opaque finances. Despite China's inclusive SME loans exceeding 32 trillion yuan, urban commercial banks still struggle with risk identification, evaluation objectivity, and warning systems. This study, based on information asymmetry and credit risk theories, systematically addresses risk identification, assessment, warning, and control. Results show: (1) A comprehensive evaluation system with four quantitative dimensions (debt paying 35pts, profitability 25pts, operational 25pts, development 15pts), twelve qualitative dimensions, and two industry access dimensions was built. (2) A four-level warning system (red/orange/yellow/green) covering twelve indicators across financial, non-financial, and guarantee dimensions was established, shifting risk control to branches. (3) Empirical verification confirms strong discriminatory ability between defaulting and non-defaulting enterprises. (4) Optimization measures include unified credit review, expanded committee with random selection, refined mitigation tools, organizational restructuring, talent development, performance-based compensation, intelligent upgrades, and risk culture. This study breaks through traditional financial-statement-only evaluations, offering practical tools for urban commercial banks' precise risk control.

Chengfeng Jin. Construction and Empirical Study of Credit Risk Assessment Index System for Small and Micro Enterprises in Commercial Banks. International Journal of Business Management and Economics and Trade (2026), Vol. 7, Issue 3: 1-9. https://doi.org/10.38007/IJBMET.2026.070301.

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