A Research Of SME Finance Lease Credit Risk Of Our Country

During the past two years, finance lease industry in China has experienced a rapid development. Many studies have been shown that the finance lease is a better solution to the financing difficulties of SMEs. The finance lease can guide the flow of credit funds into the real economy, promote the upgrading of technology and equipment of SMEs, and optimize China’s economic structure and economic quality, and undoubtedly has a strong practical significance. However, with the rapid development of industry, there is an urgent need to solve the problem which is the standardization of the credit risk assessment in SMEs finance lease transactions, a more scientific assessment method.Domestic scholars have done many research on the topic of financing difficulties of SMEs and credit risk evaluation of SMEs, however, the research of finance lease as a solution to these two subjects is not common. Finance lease industry has been experienced a rapid development in our country in recent years. It is proved that finance lease is a better solution to the difficult problems of SME financing. If we can solve the problem of SMEs finance lease credit risk assessment, there will surely be a positive effect on the development of the finance lease industry and the development of SMEs.This article, based on the credit risk characteristics and influencing factors of SMEs’finance lease, is designed to provide a standardized analytical method for SME finance lease credit risk analysis. Using Logistic model, this paper did some empirical inspections on some related standardized indicators of credit risk, and drawed some useful conclusions.In the second chapter, firstly, I defined the concept of small and medium enterprises, finance lease, credit risk, etc. Then it leads to the sources, causes, and the measure of credit risk for SMEs’finance leases. The last part of the second chapter is the literature review for the financing problem for SMEs, credit risk and finance lease credit risk. The first half of the chapter three, is the review of the course of development of SMEs’finance lease. Based on this, I did an analysis on the characteristics of credit risk during different stages and a comparison on credit risk of finance lease with of other financing methods. The second half of chapter three, from four perspectives, respectively the corporate governance mechanism, the operation manner, financial structure and legal constraints, analyzed the influencing factors of credit risk. Based on the Logistic model and general analysis of the previous paper, chapter four put forward a standardized analysis model of SME finance lease credit risk and using the data to carry out a empirical test. Finally, the fifth chapter, upon the current developing situation of finance lease industry in our country, reached out some suggestions on the management of SMEs’finance lease credit risk.