The Research Of The Coordinative Development Between Urbanization And E-commerce

In recent years, small and medium micro enterprise financing has become the focus of attention, although the state has adopted a series of measures to help small and medium micro enterprises solve the financing problem, but the effect is not ideal. As China is still a country is, the small micro-enterprise financing bank-based financing system mainly for the difficulty in obtaining loans. For commercial banks to increase lending to small and medium micro enterprises on the one hand require commercial banks to provide loans to SMEs have the willingness, on the other hand also requires commercial banks to provide loans to SMEs with a credit technology and risk control, and neither is dispensable one can not. In terms of willingness to bank loans, the existing theoretical research and practice have shown that the bank, China’s big banks and small banks currently carry small micro-enterprise loan business wishes are strong, especially small banks. Many domestic commercial banks will also have the small micro-enterprise customers as a new profit growth point in the future, increase the proportion of SME loans. Therefore, whether the bank has the technology to carry out credit loans to SMEs is the key problem restricting the development of SMEs loans. Unfortunately, the majority of our commercial banks are the lack of a specifically for the small micro-enterprise credit risk measurement methods. Based on this situation, this paper attempts to develop a specifically for the small micro-enterprise credit risk measurement model characteristics, in order for commercial banks to develop SME credit business to provide a reference for.The main work of this paper: first of all, this paper introduces the theoretical basis, the function and the main methods of the enterprise credit rating. Secondly, the definition of small and micro enterprises in our country, and analyze the reasons for the difficulty of financing. Again, points out the defects of the rating index system and according to the situation of our country and special small and micro enterprises, the initial construction of the our country small micro enterprise credit rating index system. Finally, the logistic regression model for empirical analysis.In this paper, the real loan of a commercial bank enterprise as the research object, in the initial establishment of the basis of the index system, the comprehensive utilization of chi square test, K-S test and U test of the index were screened. Finally, the paper makes an empirical study using the enterprise industry and commerce, taxation and the third party public data, research shows that corporate age, the number of shareholders, major the number of changes, sales revenue, operating time and sales growth has a significant impact on small and micro enterprise credit classification model; the overall accuracy is 92.8%, the model was well fitted; finally use class tree robustness test of the model, the classification tree and logistics regression model results, the robustness of the model is good.