Research On Risk Management High-tech SME Loans Of Commercial Banks

In the process of our country’s rapid economic development, science and technology is playing an increasingly important role, High-tech SMEs as the main strength of our nation’s scientific and technological innovation, promoting China’s economic development largely, However, the role High-tech SMEs played is not proportional to their support received, as High-tech SMEs itself certain defects, commercial banks appear reluctant to lend to it, High-tech SMEs are enable effectively support; At the same time as the gradual liberalization of the interest rate market, relying on the spread as the main source of income for commercial banks, who is gradually shrinking profit margins, coupled with foreign banks gradually to open up the business to China’s market, making the competition between China’s commercial banks also become increasingly fierce, How to expand the business scope in the effective control of credit risk basis as the primary problem to be faced for commercial banks.From the long-term development of both sides, the commercial banks as soon as possible to establish specific risk assessment about High-tech SMEs loan system, to increase support in the risk of loans.Based on the analysis of the current research, summarizes the current status of the loan and the theory of Chinese commercial bank loan risk, analyzes the causes High-tech SMEs credit risk arising, Then choose a better credit rating and have been proposed delisting warning securities firms from SME Board a total of 30 companies as samples, selected12 financial indicators to represent the current credit situation of High-tech SMEs, the principal component analysis of the financial indicators were screened, and ultimately retained the 4 main components, to quantify the features of 6 non-financial representatives indicators, then the financial and non-financial indicators retained the Logistic regression built-tech SME loan risk assessment model, and explain the factor, drawn the greater impact on several indicators to the risk High-tech SMEs loans, next on our current credit risk evaluation system of commercial banks SME some suggestions, Finally, on the results of the theoretical and empirical research from the commercial banks, High-tech SMEs, the external environment on how to improve credit conditions proposed SME-related policies and proposals.