| The development of SMEs in China is going forward to a direction of legalization and standardization,which is beneficial to its position in the market.At present,although government and financial institutions have been proposing a lot of methods to solve financing problem for surviving and development of SMEs,still SMEs are facing to various difficult situations.There is still a long road to improve problems existing on SMEs and bank has been not finding a common way to measure the credit risk of SMEs.As to promote the development of SMEs,government could not step into the core of enterprises only by grasping typical cases,chasing phenomenon,going around outside of SMEs.Based on above issues,the purpose of the thesis is to dig out the cause and proposed the subject of monitoring credit risk method used for SMEs by bank statement.The purpose of this paper is to find out the causes and get a breakthrough by analyzing the financing problems of SMEs.Therefore,we proposed the imagination that measuring the credit risks of SMEs based on the objective data from bank statement.Through the study of a large number of literatures,we intend to grasp the right direction how to measure and evaluate the credit risks for small and medium-sized enterprises,find a foothold in terms of cash flow analysis,and through comparing and analyzing relationship among all kinds of index to find the most appropriate index system.Through the study on supply chain finance,we will try to extract the evaluation method that can be widely used to measure the credit risk in between affiliated enterprise so as to establish a network risk evaluation model based on relation among enterprises.Through the research on the trend of the big data,we will manage to clear about the feasibility that the big data being applicate in the credit risk management for small and medium-sized enterprise and analyzed the problems and obstacles existing in the practical application and puts forward the Suggestions. |
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