An Empirical Study On The Influencing Factors Of SEMs Eterprises'loan Default

The CPC Central Committee and the State Council attach great importance to the development of private economy.The work of financial services for small and medium-sized enterprises is particularly important.Relevant departments of the state have issued relevant policies to solve the financing difficulties and expensive problems of small and medium-sized enterprises.However,China is still in the period of economic transformation.The rising default rate of SMEs has seriously affected the asset quality of financial institutions,resulting in banks becoming "afraid of loans" and "afraid of loans" in the work of SMEs loan issuance,which further aggravates the problem of SMEs loan difficulties.Then we study and discuss the influencing factors of SMEs' loan default behavior,so as to establish SMEs' credit risk technology and analysis system,so as to improve the efficiency of SMEs' loan investment,control and prevent SMEs' credit risk,expand the credit supply ability of financial institutions to SMEs,improve SMEs' credit access ability,and reduce the financing cost of SMEs.It is of great significance.Firstly,through studying the relevant literature,we can understand and master some basic theories and empirical research results about SMEs and credit risk,and then determine the research direction of this paper based on our own work.The research collects and collates the data of SME loans issued by XX Commercial Bank in different districts in 2015,and carries out grouping research and analysis according to 10 Influencing Indicators of enterprise's own characteristics and enterprise's loan characteristics,then establishes the Logit regression model of default and loan amount,loan interest rate,loan term and other related variables,taking into account that some indicators are written descriptions.First,the indicators are quantified and standardized by Excel and SPSS software.After analyzing the data by software,it is concluded that loan misappropriation,enterprise scale and loan guarantee have significant impact on loan default,while the other variables have no significant impact.Enterprise loan interest rate,loan guarantee mode,loan embezzlement,whether the enterprise is different,whether the enterprise is established in different places,and the duration of the enterprise is positively correlated with loan default.Enterprise loan amount,enterprise loan duration,enterprise scale are negatively correlated with loan default.Finally,according to the above analysis results,from the Enterprise itself,Bank and Government three angles,respectively.This paper puts forward some measures and suggestions on credit risk prevention.The conclusion of this study will help the country to further improve the social credit system,formulate relevant legal systems,regulate the credit behavior of small and medium-sized enterprises,help commercial banks to provide theoretical and technical reference for pre-loan risk identification,help businesses to improve the construction of loan risk control system for small and medium-sized enterprises,help regulate the credit behavior of small and medium-sized enterprises,expand financing channels and reduce financing formation.Ben.