Commercial Bank Credit Evaluation Model For Small And Medium Sized Enterprises

With the deepening of economic reform, SMEs increasingly important in a market economy, but the difficult problem of SME financing is not a good solution. Bank loans are a major source of funding for SMEs. Since the 2008 economic crisis, many companies have suffered heavy losses, small and medium enterprises bear the brunt. A credit risk assessment model specifically for SMEs the more important to strengthen credit risk assessment, but also to meet the needs of SME loans, establishment.Based on the characteristics of SMEs themselves, the paper starting from the SME financial indicators, based on the reaction of some corporate profitability, solvency, management capacity and growth and cash flow indicators, taking into account the operability of the model. Empirical part of selected annual data Shenzhen SME board companies as samples to obtain data from the database in a soft day, stepwise analyzed by SPSS software to extract the main factor. On this basis, the Z model construction SME credit risk assessment model.