The Research Of The Credit Pattearn Of Technological Innovation Of Small And Micro Businesses In China's City Commercial Banks

This thesis analyzed the essentiality of the China's city commercialbanks to develop the credit businesses supporting the technologicalinnovation of small and micro businesses.Through researches, we conclude risk characteristics oftechnological innovation of small and micro businesses in different stagesof development. Through introducing the features of the technologicalinnovation of small and micro businesses in China, we discuss the waysof identifications the target customers, credit approvals and riskmanagement.Through the researches of default loans in database, we introduce theways to modify the efficiency of the process in credit approvals bycombining the usage of credit model and the knowledge from the experts,because we discover the results of traditional credit model may not totallyreflect the performances of the technological innovation of small andmicro businesses due to the specific characteristics of this kind of enterprises.According to the comparison of the credit approval results oftraditional credit model and proposal optimization method, we can easilyfind out the superiority of the new method.As a summary, we try to establish the optimization scheme forChina's city commercial banks to develop the credit business to supporttechnological innovation of small and micro businesses.