Author(s)

Yu Cheng and Xinjian Zhang

Corresponding Author

Yu Cheng

Abstract

Under the background of slowing economic growth and increasing international trade frictions, enterprises are facing more serious shortage of funds. Small and micro enterprises are faced with complex external environment, coupled with their poor financial management level, they are faced with more serious problems in enterprise financing. Based on the data of a commercial bank in a certain city, this paper sorts out data indexes of basic characteristics of enterprises, such as enterprise age, enterprise size, shareholding ratio of the first shareholder and bank-enterprise relationship, etc. Through heck man model, it measures which factors will affect the default rate of bank-enterprise relationship loans, and further analysis and discussion are carried out.

Keywords

Small and Micro Enterprises; Relationship Loan; Risk of Default