The Research On Small And Micro Enterprise Loan Default Risk Factors Of A Rural Commercial Bank

As a credit intermediary to maintain economic operation,the operation of commercial banks directly affects the regional economic development.As the backbone of rural financial system,rural commercial banks have irreplaceable status and function in their work for "a griculture,rural areas and farmers".Rural commercial banks take deposits and loans as their main business sources,and their bad debt ratio is an important index to measure their profits and competitive advantages.In recent years,with the continuous development of small and micro enterprise loan business,the total loans of small and micro enterprises in the total loans of rural commercial banks has been increasing,and the default rate of small and micro enterprise loans has been rising year by year,which directly affects the steady development of rural commercial banks.Therefore,How to control loan default effectively is an urgent task facing our rural commercial banks.This paper firstly sorted out relevant theories and previous research on small and micro enterprises and credit risk management successfully.On this basis,this paper collected and sorted out loan materials of small and micro enterprises with loan balance in aprefecture-level rural commercial bank in Henan Province by the end of 2021.They are respectively the industry,loan purpose,loan guarantee type,loan limit,loan interest rate,loan years,enterprise size,establishment years and customer manager level of the borrowing enterprise.Regression analysis is carried out by constructing the Logistic model.According to the regression analysis,five factors such as the industry of loan enterprises,loan interest rate,customer manager rating,loan purpose and loan life have significant influence on lo an default.Based on the empirical research results and from the perspective of banks,this paper puts forward credit risk prevention and control suggestions on how to reduce loan default from five aspects,including improving the basic in form ation of borrowing enterprises,strengthening the professional ability of account managers,reasnably determining the loan limit,effectively guar ant eeing the full amount,and strengthening the management of credit process,so as to provide certain reference value for the stable development of rural commercial banks in the future.