Evaluation Studies, Based On Factor Analysis Of Commercial Bank Loans To Smes Credit

In recent years, the rapid development of small and medium business is accompanied with enormous demand of credit. However, the problem of difficult application of loan for SMB and big rate of bad loan of banks is still serious. As a result, it has important operation significance to research a credit rating model for loan of SMB in accord with the reality of our country, which could reinforce the loan management and strengthen the ability to keep away the credit risk for banks.This paper is based on this reality and considered the factors such as industry,overall conditions of enterprises,the quality of entrepreneurs,settlement conditions and so on would influence the growth and anti-risk ability of enterprises. After screening out the data of customers elementary, this paper builds index system of credit rating and assesses the credit of sample enterprises using the factor analysis of multivariate statistics, in order to divide the high risk business and low risk business comparably. Finally, it further researches the similarities and differences of different enterprises of various risks on the evaluating indicators through the method of Independent-Samples T test, in order to provide concise and efficient bases for banks' loan decision.On the research method, this paper stress on both theoretical investigation and demonstration analysis. On the problem study, great emphasis is stressed on the quantitative analysis, in order to get solutions both having theories basis and realistic maneuverability. This paper primarily involves on the problem of credit risk of banks, uses factor analysis to establish a loan model for SMB of our country and carries the demonstration research out at last.