Research On The Credit Decision Of Commercial Banks To Small And Medium Sized Enterprises

Small and medium sized enterprises are the largest and most innovative enterprise groups in China. A major bottleneck in the development of small and medium enterprises is the difficulty of financing. Municipal total bank credit more used in place of some of the financing platform, loans to small and medium-sized enterprises, labor costs continue to rise, small and medium-sized enterprise profit space is limited, the impact of the employment and consumption.The credit policy of the bank to the small and medium-sized enterprises is very important to the credit risk management of the bank. the bank’s data to carry out statistical and model analysis,from a quantitative point of view of China’s commercial bank credit decision-making has important significance.This paper firstly introduces the related theory of credit decision,from the credit risk measurement of credit risk exposure,highlighting the limitation of credit risk measurement framework, credit rating three aspects. Then the risk analysis of source status, and summarizes the current main methods of commercial bank lending to small and medium-sized enterprises and the problems of decision making. In the process of empirical research, taking Zibo a bank branch of 499 enterprises loan samples by OLS, tail regression, regression estimation, zero tail PR ZIP zero tail two negative binomial estimation ZENB and quantile regression and other econometric models, with interest rates, credit lines and loan terms as explained variable the study of credit decision comprehensive,empirical results obtained,finally summed up the success factors and the lack of thinking.