Commercial Banks To SMEs’ Credit Analysis Model And Empirical Research

This essay is aimed to review and summarize for the various credit measure models in the study of credit rating in the commercial banks of China, conduct a comparative study of the advantages and disadvantages of different existing credit rating measures and applicable occasions. This paper argues that, on the one hand, model research and index system are separately divorced, on the other hand, previous researches have deficiencies in unrepresentative and opaque sample selection in the current study results of credit risk rating measures. For these shortcomings, this essay builds a sound credit evaluation index system on the basis of credit measure models in and abroad, uses public information data, and adopts Logistic regression models to conduct an empirical study on bond rating changes on domestic SMEs. The study found that the constructed credit evaluation index system and Logistic regression model can explain and predict changes in the SMEs’ bond rating better. Based on the conclusions and empirical findings, we get the results and conclusion.