NDLI: Is the Small and Medium-Sized Enterprises' Credit Default Behavior Affected by Their Owners' Credit Features?

Content Provider	IEEE Xplore Digital Library
Author	Rubing Yang Xin Zhou Wanting Wang
Copyright Year	2011
Abstract	Identifying and measuring credit risk of small and medium-sized enterprises should be different from that of large firms, for SMEs appear to be influenced by their owners more directly and significantly. This paper attempts to testify the relationship between default behaviors of SMEs and the credit features of their owners, so that a more appropriate and effective way of credit management of SMEs could be applied in practice. After segregating the owners' characteristics data into variables of basic features, credit capacity features and credit will features, this paper implement an empirical study of logistic regression analysis with repeat sampling data. The result demonstrates that, compare with the owners' credit will variables, variables reflected credit capacity features share more significant relationship with the SMEs' credit default behavior. Specifically, the age of owner, the inquiry frequency of owners' credit information for post-loan risk management and pro-loan approval purpose, and the proportion of overdue loans are the extreme significant variables which are valuable indicators in default risk estimate model.
Starting Page	1
Ending Page	4
File Size	357157
Page Count	4
File Format	PDF
ISBN	9781424465798
e-ISBN	9781424465811
DOI	10.1109/ICMSS.2011.5998460
Language	English
Publisher	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Publisher Date	2011-08-12
Publisher Place	China
Access Restriction	Subscribed
Rights Holder	Institute of Electrical and Electronics Engineers, Inc. (IEEE)
Subject Keyword	Economics Education Finance Frequency conversion Credit cards Risk management
Content Type	Text
Resource Type	Article

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