Commercial Bank Credit Risk Evaluation Method Research On Small And Medium-sized Enterprise

Under the system of socialist market economy, which gives priority to public ownership andmany kinds of system of ownership coexist. Small and medium-sized enterprises have become animportant force of economic development through reforming and opening up for30years in China.However, because of some " congenital inadequacy" such as small scale, non-standard financialmanagement, small loan amount and other things like that, and the market information asymmetry,small and medium-sized enterprises financing could not get rid of the embarrassing situation, in otherwords, the financing difficulty has become a major obstacle to the development of most small andmedium-sized enterprises. This paper builds an enterprise credit risk evaluation method to reflect thereal situation of small and medium-sized enterprises, which covers five aspects: the enterprise’sfinancial status, enterprise’s quality, enterprise’s innovation ability, enterprise’s development status inthe industry, and enterprise’s operation status in the supply chain.This paper adheres to the principle of combining qualitative and quantitative in the credit riskevaluation of small and medium-sized enterprises.First, this paper uses logistic regression model toanalyse financial factors of small and medium-sized enterprises. Then, this paper uses fuzzycomprehensive evaluation for the comprehensive evaluation of non-financial factors of small andmedium-sized enterprises. At last, combining the results of financial factors and non-financial factors,I get a synthetic evaluation value to measure the target enrerprise’s credit situation.Study results indicated that, the method is a scientific, comprehensive evaluation for small andmedium-sized enterprises’ credit risk, and it can provide reference for our commercial banks in thecredit risk evaluation of small and medium-sized enterprises.