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New Discussion on the Credit Risk Influential Factors of Banking Loans among Small and Medium Enterprises - From Evidence of a Latest Survey of Small and Medium Enterprises

机译：中小企业银行贷款信用风险的新探讨 - 从最新中小企业调查中的证据

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摘要

By using an investigation data for the operation situation among small and medium enterprises in some area of Guangdong Province in 2015, this paper has analyzed multiple aspects of factors that may affect the credit risks of small and medium enterprises relatively comprehensively. On the basis of previous theoretical and empirical research, it is found in this paper that except for some important financial indexes, some predictable characteristics of small and medium enterprises and enterprise owners may also relate to risk factors. In addition, it is also found in this paper that the political identity or political relations of enterprise owners may have the negative relations with the credit risks of enterprises, demonstrating that non-efficiency distribution led by non-official relations may exist in the loan distribution process. This factor is not beneficial to establishing the benign bank-enterprise relations and solving the loaning problem of small and medium enterprises. Therefore, it needs the further specific research and corresponding policies as the countermeasures.
机译：通过2015年广东省某些地区中小企业运营情况调查数据，本文分析了对中小企业信誉风险的多个方面相对全面地影响了这些因素。在以前的理论和经验研究的基础上，在本文中发现，除了一些重要的金融指标外，中小企业和企业所有者的一些可预测特征也可能与危险因素有关。此外，还发现，在本文中还发现了企业所有者的政治认同或政治关系可能与企业信贷风险​​的负面关系，表明非官方关系领导的非效率分配可能存在于贷款分布中过程。这一因素与建立良性银行企业关系并解决中小企业借出问题并不有益。因此，它需要进一步的具体研究和相应的政策作为对策。

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