Analysis On The Factors Affecting Loan Default Of Small And Micro Enterprises In C Bank Of Chengdu Branch

During the stage of domestic economic growth is slowing down and GDP continuously going down,all the domestic banks are facing the increasing pressure of holding more and more Non-performing assets.Due to loans and interests can't be paid on schedule and the debtor can't fulfill the repayment contract,default rates increasing sharply,non-performing loans grows faster and faster.Therefore,all the banks are now focusing on how to control the new loans not to past the due,how to effectively maintain the quality of assets,how to improve the ability of credit risk management and etc.To those small and medium-sized financial institutions such as joint-equity commercial banks(regional),city commercial banks,rural commercial banks,rural credit cooperative and etc,it's important to have good credit assets which determine the possibility that it could survive in the market competition in the future.This paper is based on the situation of "IPC" business loan defaults of C Bank Chengdu Branch to analysis the influence factors of those defaults which might provide the theoretical reference for C Bank or other financial institutions.To consider the feasibility,authenticity and accuracy of the available data,we only use the basic credit data of C Bank Chengdu Branch as the sample data.Due to the operation method of credit products has its homogeneity and consistency;those small and medium-sized commercial Banks could use the same standard to measure.The results of the study could be valuable for the financial institutions who would launch small micro loan business to refer to.The first part of this paper including five sections: research background,research,framework,ideas and research methods.The concept of loan defaults,the definition standard of small and micro businesses will be given in the first part.The analysis of the violations default factor of small enterprises is in the second part of the paper.This paper will also build the theoretical framework of credit loan of small enterprises.It will introduce the core part,data collection,principal,key factors and business process of the IPC.It will use the customers of C Bank Chengdu Branch as the sample to count and analyze the influence factors.A score chart will be designed based on the result of the prominent index.Use the relative factors and score chart results to do the dualistic logistical regression analysis.Five suggestions will be given for C Bank Chengdu Branch in the last part of the paper.