Study On The Credit Risk Assessment Of Loan To Mall And Medium-sized Enterprise In Fujian Province

In recent years, the small and medium-sized enterprises in Fujian province keeps good momentum of development, the main economic index of vigorous growth, registered enterprises keep high growth, become the main job enlargement, the enterprise economic benefits have significantly improved with small industrial enterprises as the main body of private enterprises has become the new luminescent spot export growth. But the financing difficulties of small and medium-sized enterprises in Fujian province, has become the bottleneck in the development process. Financial products with the characteristics of small and medium-sized enterprises developed by financial institutions and increasing credit support is one of the most important ways to solve financing problem for small and medium-sized enterprises. Therefore, the study of credit risk model and method of commercial banking has the extremely vital significance. The main content of this study are as follows:In the second chapter, domestic and foreign research is reviewed. First, it is from two aspect of credit risk research methods and measures introduces foreign studies in enterprise credit risk assessment. Then, it makes literature review in applied to domestic smes of credit risk and non-financial elements, and sorts research about the small and medium-sized enterprises in Fujian province. Finally, the paper reviews the research of small and medium-sized enterprises at home and abroad. It also summarizes credit risk assessment methods for the small and medium-sized enterprises in Fujian province.In the third chapter, firstly, the concept and standard of small and medium-sized enterprises is introduced. It summarizes the overall development situation and the characteristics of the needs of the credit and of small and medium-sized enterprises in Fujian province. It points out formation cause of credit risk to Sme loans in Fujian from three aspects of small and medium-sized enterprise internal factors, commercial Banks management and external environment. Finally, based on the principle of design of index system, according to the characteristics of small and medium-sized enterprises in Fujian province and combining previous research achievements of suitable summed up the index system of small and medium-sized enterprises in Fujian province.The fourth chapter is the main part of the paper. Firstly, it expounds the main purpose of the Logistic regression model and the different from other model, introduces the principle of Logistic regression model, and explains the way for the sample data. Then, it introduces the meaning of each index variables. According to the actual situation of the sample data, it preliminary screens for index variables and selects 6 financial indicators and 11 non-financial indicators enter regression model. With the help of SPSS forward stepwise regression conditions have four non-financial indicators into the final model. Finally, it makes significantly, effectiveness and Hosmer and Lemeshow testing for model, The result shows that this model of small and medium-sized enterprises in Fujian province of credit risk loans has high applicability.