Credit Decision-making of Small, Medium and Micro Enterprises Based on Logistic Regression Model

In order to establish quantitative index of corporate risk, logistic regression model is used in this paper to predict the violation likelihood of enterprise. The index integrates the characteristics of corporate profitability, growth ability, company size and enterprise robustness. In order to maximize the profit of the bank, two-level target planning is adopted to optimize the target loan amount and annual interest rate. In addition, the credit strategy is formulated based on the enterprise status in the production chain and the influence of the supportive credit policy on the credit strategy.