Research on Credit Risk Assessment of Small and Medium-Sized Enterprises in Commercial Banks - Open Access Library Journal

OALibJ > Vol.5 No.11, November 2018

Research on Credit Risk Assessment of Small and Medium-Sized Enterprises in Commercial Banks ()

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DOI: 10.4236/oalib.1105022 1,124 Downloads 4,474 Views Citations

Author(s)

Yacui Gao, Lidan Zhang

Affiliation(s)

College of Management, Xi’an University of Science and Technology, Xi’an, China.

ABSTRACT

By using the data of 2014 and 2015 about the 90 small and medium-sized en-terprises credit default and normal samples from a joint-stock commercial bank, this paper builds the credit risk assessment evaluation index system to the small and medium-sized enterprise of commercial bank. Based on the logit model, we make a test for the 30 enterprises of the testing samples. Finally, the evaluation model draws that the predicted probability of default of the model is as high as 90%, the reliability of credit risk assessment model is verified.

KEYWORDS

Commercial Banks, Small and Medium-Sized Enterprises, Credit Risk, Evaluation Model

Share and Cite:

Gao, Y. and Zhang, L. (2018) Research on Credit Risk Assessment of Small and Medium-Sized Enterprises in Commercial Banks. Open Access Library Journal, 5, 1-11. doi: 10.4236/oalib.1105022.

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