Study On Credit Risk Assessment Of SME Financing Under Supply Chain Finance

In the background of economic globalization,the rapid development of China's economy,small and medium enterprises in the national economy accounted for more and more high proportion.However,because of their own strength,SMEs are often difficult to obtain loans from commercial banks,thus restricting the development of small and medium-sized enterprises.As a new type of financing,the supply chain finance makes use of the credit guarantee of the core enterprise,and unifies the supervisory ability of the logistics enterprise to the capital flow,provides the credit increment for the small and medium-sized enterprises,so that the SMEs can obtain the necessary funds based on the supply chain.This paper mainly focuses on how the commercial banks can evaluate the credit risk of SME financing more systematically and objectively under the financial financing mode of supply chain,and how to solve the subjectivity of the credit risk evaluation of SMEs under the traditional model.In this paper,the logistic regression model based on principal component analysis is used to find the factors that affect the credit risk of SMEs,and the relationship between each factor and credit risk.Finally,it proves that the model has some practicability in predicting the credit status of SMEs.and through the analysis of the causes of SME credit risk,at the bank and government level to put forward some policy recommendations.