Identification And Control Of Financing Risks Of Small And Medium-sized Enterprises

As a special group,the research on the financing risk of small and medium-sized enterprises mainly focuses on the national economic policy,the operation,management and credit of small and medium-sized enterprises.The important index data also have important influence on the identification and control of SME financing risks.On the one hand,it can affect SMEs' grasp of their own business risks.On the other hand,it can affect the government,banks and other financial institutions to support SMEs and risk control ideas.However,at present,there are relatively few studies on the micro level identification and control of SME financing risks.Especially based on the stock of a joint-stock commercial bank of small and medium-sized enterprises customer real data and case analysis.Therefore,it is necessary to make a quantitative study on the identification and control of the financing risk of SMEs in China from this specific angle and by using specific methods.Based on the real internal data of a joint-stock commercial bank,this paper mainly divides the research ideas into two parts:Logistic regression model risk influencing factors analysis and small and medium-sized enterprises real risk case analysis.In the content of the study,we first use Logistic regression model to analyze the impact of various SME risk factors on SME financing risk.Then we use the real bad case analysis to verify the conclusion of the model analysis,and draw the following conclusions:(1)profitability,development capacity,solvency have significant negative impact on SMEs'financing risk,the higher these three indicators,the less likely SMEs will have risk;(2)capital structure system The number has not passed the significant test,the capital structure has no significant impact on SMEs'financing risk;(3)Operating efficiency has a significant positive impact on SMEs'financing risk,the higher the operating efficiency,the greater the probability of SMEs'risk.The significance of this study is that the empirical analysis of Logistic regression model is used to study the influencing factors of SMEs'financing risk,which changes the single way of qualitative research and makes up for the blank of quantitative research on SMEs' financing risk.In the process of constructing the risk system model index,a scientific and reasonable index system has been formed based on the customer data of a joint-stock commercial bank,which fully considers the influence of the development ability and the test index of operating cash flow,and more accords with the requirement of early warning and measurement of financing risk for the development of enterprises,and is convenient for the small and medium-sized enterprises.Enterprises can better identify problems,solve problems,improve their management level,and break through financing obstacles.Case analysis selected a stock sample of a joint-stock commercial bank,according to the actual situation in different operating conditions to form a comparative reference index system,with the small and medium-sized enterprises that can not repay their principal and interest in time as a representative,for the actual case analysis,so as to make the paper more authentic and objective.