The Research On The Default Risk Of Relationship Lending Of Small And Medium Enterprise

Relationship lending was considered as the most effective way to solve the hard and expensive financing of small-and-medium-sized enterprises,which is in the field of frontier monetary research at home and abroad.Relationship lending has great meaning because it can solve the financing difficulty of SMEs,able to significantly increase credit availability and lower lending costs under the unfavourable conditions in these year.Relationship lending requires Bank not only focused on enterprise fixed assets,and cash flow and profit capacity,and other traditional financial index,but also to concern the brand value of enterprise,and enterprise growth and some other "soft strength" in evaluation on SMEs lending.By the means of increasing information communication between banks and enterprises,both banks and enterprises can get the information of funds supply and demand,furthmore banks will have better assessment on Enterprise profit capacity and market value,therefore this will makes innovation and breakthrough.on new situation Bank loan model of SMEs and the relationship positioning between banks and enterprisesThis papers based on credit situation of SMEs from a commercial bank,we choosed enterprise scale,Enterprise age,the first shareholders holding proportion of the enterprise,and some other index,through building Hackman select model model,analysis the relationship between bank and enterprises on SMEs relationship loan default risk of may effect,focus on the default probability of effect mechanism and consequences which caused by banks and enterprises relationship on SMEs relationship type loan.Results of this project will deepen existing research on relationship between Bank and enterprise from the perspective of lending risk,it not only deepen value research of the relationship between banks and enterprises,deepen the value research,but also but also extends the study of determinants which makes loan defaults.This research has significant reference value for the evaluation of commercial bank loan default risks,and the amelioration of risk models.