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1、ABSTRACTInrecentyears,SMEshavebecomethemainpointofpromotingourcountry’seconomyandthegrowthofoureconomy.Inpromotingsustainedeconomicgrowth,promotingtechnologicalinnovation,increasingnationalrevenueandemployment,SMEsplayanirreplaceablerole.However,itisdiff
2、iculttocontrolcreditriskwithlittlecapitalofSMEs、anincompletefinancialsystem、difficultiestoquantifytheintangibleassets、lackingofeffectivecollateralassetsinourcountry.Inaddition,thefinancialbusinessofcommercialbanksmainlyaimatthelarge-scaleenterprisesatthe
3、presentstage,whichledtothecreditfinancingdifficultiesofSMEs.TothedevelopmentofSMEs,wemustfirstsolvetheproblemofcreditfinancingofSMEsinourcountry.Also,becausethecreditriskisthemainriskcommercialbanksfaced.SolvingtheproblemofcreditfinancingforSMEsbecomesap
4、roblemtosolveSMEscreditrisk.Basedonthis,itisnecessarytocarryoutresearchabouttheSMEscreditrisk,establishingappropriatecreditriskevaluationsystemforSMEs.Thepaperreviewedcreditriskresearchliteratureininternationalanddomesticacademics.Fromthecausesandeconomi
5、cmechanismsofcreditrisk,combinedwiththe"creditrationing"modelofcommercialbanks,thestatusofcreditfinancingdifficultiesforSMEs,theunderdevelopedcapitalmarketenvironment,thepapercomparecreditriskratingmethodologyandcreditriskratingmodelsininternationalanddo
6、mesticacademics.Withtheadvantagesanddisadvantagesofeachmodel,IfindthatLogisticregressionmodelisasuitablemethodforevaluatingcreditriskandbuildingrelatedcreditriskratingmodels.TofurtherillustratethescientificandapplicabilityofLogisticregressionmodel,thepap
7、erselected51listedenterprisesformthefinancialandnon-financialindicatorssampledataonSMEs,combinedindexselectionprinciplesandcharacteristicsofdomesticSMEs,selectingsomequantitativeindicatorsfromfinancialandnon-financialindicatorstoestablisharelativelycompl
8、eteSMEscreditriskassessmentsystem.Then,ItakefactoranalysismethodandLogisticregressionmodeltoanalysisempiricallySMEscreditriskassessmentsysteminthisarticle.Throughtheanalysisoftheresults,Logisticregressionmodelwhichisbuilti
