Research On The Influencing Factors And Countermeasures For Credit Default Of Smalland Medium-sized Enterprises

With macroeconomic environment and objective trend where domestic economy enters downward passage and GDP growth slows down,commercial banks encounter tremendous pressure in terms of asset quality in business activities and various problems become increasingly prominent.For example,loans become overdue,borrowers fail to implement agreed repayment schedules,default rate increases sharply,and non-performing loans are high.The emphasis of all domestic banks falls on how to control newly increased overdue loans and non-performing loans,prevent asset quality from going in downward trend and enhance risk management level of credit assets.Especially for regional joint-stock commercial banks,urban commercial banks,rural commercial banks,rural credit cooperatives and other middle and small scale financial institutions,the advantages and disadvantages of the overall credit asset quality largely determine whether or not they are able to survive in fierce market environment or even achieve further growth and development in the future.This paper expects to offer reference to certain rural commercial bank and other small and medium-sized financial institutions through discussion against practical problem of loan default rate of certain rural commercial bank.In consideration of data availability,authenticity,accuracy and completeness,this paper only quotes basic credit data of certain rural commercial bank as the sample data of such discussion.Due to homogeneity of credit products and general consistency of operation methods of several middle and small-sized commercial banks in the province,to quote data of one bank can basically represent characteristics of banking financial institutions of the same scale in such region,and therefore,the result has certain reference value.The first part thereof introduces background,significance,literature review,research framework,thought and research method of research of loan default rate in certain rural commercial bank.The second part summarizes the loan default rate and introduces its related concept,mainly including default,probability of default,default risk and other common key concepts,and definition of middle and small-sized enterprises relevant to this research.The third part covers cause analysis of noncompliance,which mainly explores causes and mechanism rendering noncompliance of middle and small-sized enterprises and constructs a frame theory ofsuch noncompliance.The fourth part contains analysis of credit default in certain rural commercial bank.It selects middle and small-sized credit enterprises within the bank as total sample of the research and credit default rate as the dependent variable and important indexes of other exogenous middle and small-sized enterprises as independent variables,to conduct a statistical analysis against influence of related factors on credit default rate.The fifth part,based on the preceding analysis result,identifies key indexes affecting default rate of middle and small-sized enterprises in such rural commercial bank,and meanwhile,it proposes corresponding measures to prevent credit default from the perspective of the bank itself.