Research On Credit Evaluation Index Optimization Of Science And Technology SMEs Under Investment-Lending Model

Difficulty in financing is the biggest obstacle restricting the development of technology-based small and medium-sized enterprises.Because technology-based SMEs have the characteristics of light assets,heavy technology and lack of sufficient collateral,technology-based SMEs do not get good scores in the traditional credit evaluation of banks,and their growth is underestimated,so banks dare not and are unwilling to risk the increase in the non-performing loan ratio to lend to technology-based SMEs.How to make technology-based SMEs get high scores in credit evaluation and correctly estimate the future growth of technology-based SMEs is the research direction of this paper.The idea of this paper is to introduce the investment-loan linkage model,correctly view the characteristics of technology-based enterprises from the perspective of investment-loan linkage,attach importance to their technological innovation and intellectual property rights,and optimize the evaluation indicators of technology-based small and medium-sized enterprises.This paper first analyzes the current situation and problems of credit evaluation indicators of loans,and then determines the credit evaluation indicators through field investigation and questionnaire research,and uses analytic hierarchy to screen out important evaluation indicators.The results show that technical indicators are the main consideration aspects of the credit assessment of technology-based small and medium-sized enterprises,and the relevant indicators such as technological innovation level,R&D innovation investment,enterprise violations,financial data and credit records should be examined.After empirical analysis,relevant indicators were screened out from the data of the STAR Board for logistic regression empirical testing,and an investment-loan evaluation access model was constructed,and the empirical results proved that the optimized relevant indicators can indeed correctly judge the good and bad growth of STAR Board enterprises,improve the credit evaluation score of technology-based SMEs,and lower their financing threshold.Finally,combined with the optimized relevant indicators,customer selection and design of investment and loan linkage plan,select strong investment companies to cooperate,and improve the risk control mechanism.