An Analysis Of The Default Factors Of Corporate Loans Of Commercial Banks In M City

In the process of world economic development,enterprises have always been one of the main pillars to maintain the rapid economic development and social prosperity and stability.Enterprises have a large demand for funds in the process of development,and financial institutions have also retained a large amount of capital surplus.However,due to the information credit market asymmetry,economic cycle,macro policy,business situation and other reasons,the supply and demand of credit resources will be unbalanced,which is a typical "’dilemma" ’ of supply and demand.Enterprises have a large demand for funds in the process of development.Obviously,for the commercial banks,the rational way is to adopt the credit distribution policy and classify the enterprises,so as to correct the credit default of enterprises,reduce the contradiction of enterprise credit default,effectively solve the difficulties of enterprise loan and reduce the credit risk of commercial banks.However,at the same time,the behavior choice of commercial banks further aggravates the difficulties of enterprise credit financing environment.Therefore,commercial banks also need to take incentive measures to meet the credit needs of qualified enterprises and support the development of the real economy.Obviously,the logic of the action of economically rational commercial banks is to adopt credit ration policy to enterprises,and the behavior choice of commercial banks further worsens the plight of enterprise credit financing,therefore,correcting the enterprise credit default behavior is of great significance to reduce the probability of enterprise credit default,commercial banks also need to take incentive measures to meet the credit needs of qualified enterprises and support the development of the real economy.The problem of enterprise credit default is a complex system.The existing research on enterprise credit default can explain some parts of it,but can’t explain the whole logic.Obviously,for the commercial banks,the rational way is to adopt the credit distribution policy and classify the enterprises,so as to correct the credit default of enterprises.It is not difficult to find that the problem of enterprise credit default is a complex system problem,and the existing research on enterprise credit default may explain some of them,but can not explain the whole and the logic that runs through it,based on the above considerations,this paper draws on the research results of various theories,so as to correct the credit default of enterprises.(1)at the same time,the behavior choice of commercial banks further aggravates the difficulties of enterprise credit financing environment,to explore the factors affecting corporate credit default,to analyze the important influencing factors of empirical research and enterprise credit default,commercial banks also need to take incentive measures to meet the credit needs of qualified enterprises and support the development of the real economy.Obviously.(2)correcting the enterprise credit default behavior is of great significance to reduce the probability of enterprise credit default;(3)This paper use questionnaire data to analyze the influencing factors of enterprise creditbusiness situation and other reasons,the supply and demand of credit resources;(4)Therefore,commercial banks also need to take incentive measures to meet the credit needs of qualified enterprises and support the development of the real economy.Obviously,the logic of the action of economically rational commercial banks is to adopt credit ration policy to enterprises,to explore the factors affecting credit default of enterprises,to analyze the significant factors of enterprise credit default,It is not difficult to find that the problem of enterprise credit default is a complex system problem,bank-enterprise information asymmetry,incomplete contract,default cost four aspects to analyze the internal mechanism of enterprise default,the logic of the action of economically rational commercial banks is to adopt credit ration policy to enterprises,and the behavior choice of commercial banks further worsens the plight of enterprise credit financing.The research methods are descriptive statistical analysis and logit model analysis.this paper mainly uses descriptive statistical analysis and econometric model analysis methods.Specifically.The fourth chapter uses logit model to analyze the important influencing factors of enterprise credit default,and considers the economic impact of each factor.Through theoretical and empirical research,it concludes that(1)the types of companies,government projects,whether they are in different places,industry,loan amount,company size,bank deposit and deposit loan ratio have significant influence on enterprise credit default;(2)other factors affecting enterprise credit default,such as bank size and years of establishment,have no significant significance.In empirical research methods,this paper mainly uses descriptive statistical analysis and econometric model analysis methods.Specifically,chapter 3 uses descriptive statistical analysis methods to analyze the characteristics of corporate credit behavior,and Chapter 4 uses Logit model to analyze the significant factors of corporate credit default,and examines the economic effects of various factors.Through theoretical and empirical research,the following main conclusions are obtained: the type of enterprise,government projects,industry,loan amount,enterprise size and bank deposit-to-loan ratio and other factors.Of course,as an attempt to systematically study corporate credit default,there are still some drawbacks in this paper.The main shortcomings are:(1)with the development of economy and society,the scope of corporate research has changed,so the results and conclusions of this paper have certain timeliness;(2)some influencing factors of corporate credit default are difficult to quantify All factors of credit default of film company.Of course,as an attempt to systematically study the problem of corporate credit default;(3)the research scope of enterprises has been changed,so the results and conclusions of this paper have a certain time-recedence.