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

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.