To Build China's Commercial Banks To Small And Medium-sized Enterprise Research And The Empirical Risk Evaluation Model

Along with the process of economic globalization continues to accelerate, financial globalization, the deepening, China’s commercial banks have begun to emerge on the stage of the global financial industry, and the pace of overseas mergers and acquisitions of state-owned commercial banks to open subsidiaries gradually accelerated. While the world’s financial merger of the existing traditional financial culture and management philosophy obviously can not meet the development needs of the world financial, Chinese commercial banks to meet the historical opportunity for development at the same time, is also facing new challenges.With the development of the domestic economy, the role of commercial banking and financial service economy has become increasingly important. Especially in1998and2008, twice the global economic crisis, China’s economic development has been seriously affected, out of the woods, must achieve economic restructuring and expand domestic demand and seek a path of sustainable development. Success in transition, the key lies in the small and medium enterprises.In China, the number of small and medium enterprises account for more than99%of the total number of enterprises, China’s economic development is healthy to a large extent depends on the vitality of the Chinese SMEs in the economic market. The status quo, and now the small and medium-sized development is facing great difficulties, there are many reasons, including the crucial point because the SME financing difficulties "This is among the commercial banks hard to push their responsibility.Around to solve this problem "financing difficulties", the current development of SMEs in China, the financing situation in depth analysis, from the perspective of commercial banks, the analysis of deep-seated reasons that lead to the financing difficulties of SMEs-small and medium-sized the information asymmetry, as well as commercial banks advanced credit risk measurement tools missing. For the above two reasons, in-depth study of credit risk assessment of domestic and foreign credit risk evaluation, measurement instruments and tools made of multi-angle comparison and analysis, explore the advantages and disadvantages, and applicability of the various tools. Finally, the author combine research and practical experience in practical work, proposed the idea to build the model of commercial bank credit risk. Improvement of the z model, set to conform to the characteristics of SMEs in China commercial bank risk assessment model, and model building process is described in detail. Random sampling of3000samples, made a validation of the model through the empirical method to prove that the model is reasonable and scientific. Finally, the authors used linear regression method to establish a linear relationship between default rates and risk assessment values. At the end of this paper, author on broad application prospects of credit risk assessment, made small and medium size enterprises financing credit risk evaluation system of science. Predictably, the system to promote the development of SMEs has revolutionary significance.