| As the development of China’s market economy, the society have been increasingly widespread recognition of the status and the role of SMEs in the national economy and social development.A number of statistics show that, in terms of revenue contribution, GDP contribution, employment and from labor, innovation, product development and other aspects, SMEs have accounted for a half.The SME financing also have been discussed among decay scholars, and also caused more and more attention among many levels of national.The mainly reason of the SME financing is the higher risk loans for SMEs, of which credit risk is the most frequent occurrence and more difficult to manage for the commercial banks, but also an important reason for the behavior of bank credit crunch. Therefore, the key problem in long-term and stable development of SMEs is to find out the suitable credit risk assessment way in China by using statistical calculation methods to create credit risk assessment model which is appropriate to SMEs features.The model will analyze the relevant financial data and non-financial data to measure the possibility of SMEs credit risk.In this paper, based on many years of experience in the Bank of China, the author browse lots of theories and research results of credit risk management, give a comparative analysis of several common methods and evaluation model of credit risk measurement.With its own characteristics of SMEs, this paper finally choose the Logistic model as credit risk assessment model, using SPSS20.0 software.to a empirical analysis.This paper choose 45 SMEs as the sample selection of the empirical analysis,which have obtained loans at the branch of Bank of China in 2012 to 2014. On the basis of empirical analysis,combine with the branch of Bank of China, hoping to provide some reference suggestions for the management of SME credit risk to the branch of the Bank,the paper finally gives some constructive measures. |
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