Research Of Small Micro-enterprise Credit Risk Evaluation

The rapid and accurate assessment of SMEs risk is a technical problem which needs to be resolved as quickly as possible because the commercial banks carry out small and medium-sized business loans to optimize the structure of credit assets.The rapid development of SMEs has encounterd the financing difficulties. To set up a set of credit risk assessment system for small and micro enterprises, is the focus of the communication between them and the commercial banks.This paper chooses regression model and the financial state of the SMEs which are collected from a Rural Commercial Bank to study the problem of SMEs credit risk after recalling the relevant theory and previous empirical studies. It uses the EVIEWS software to set up the SME credit risk assessment system, indicating that the most of the financial viables have no significant impact on whether or not the commercial banks could provide SMEs loans.While, the credit history of the owner of SMEs has a significant impact.