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Academic Journal of Business & Management, 2020, 2(7); doi: 10.25236/AJBM.2020.020715.

Bank's Credit Strategy for Small and Medium Sized Enterprises


Weian Wang, Audong Jiao, Shanshan Huang

Corresponding Author:
Weian Wang

College of Economics, Capital University of Economics and Business, Beijing 100070, China


Small and medium-sized enterprises are the main force of economic development in contemporary China. They play an important role in the economic structure. However, due to its small scale, weak profitability and low credibility, banks are faced with credit discrimination and other problems. This paper mainly discusses and analyzes the impact of SMEs' profitability and reputation on bank credit policies, so as to help banks make decisions on loans for SMEs. In this paper, logistics regression method was used to analyze the small and medium-sized enterprises with credit records, and established an effective mathematical model to predict the default rate of small and medium-sized enterprises, to find out the influence of different enterprise credit degree on bank credit decision-making, to get the corresponding enterprise credit strategy.


logistics regression, credit strategy

Cite This Paper

Weian Wang, Audong Jiao, Shanshan Huang. Bank's Credit Strategy for Small and Medium Sized Enterprises. Academic Journal of Business & Management (2020) Vol. 2, Issue 7: 133-136. https://doi.org/10.25236/AJBM.2020.020715.


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