福建省中小企业贷款信用风险实证分析

首先介绍了获取样本数据的途径和Logistic回归模型的选择；接着介绍了各指标变量的含义，根据样本数据的实际情况对指标变量进行初步筛选，选定6个财务指标和11个非财务指标进入回归模型，通过SPSS向前（条件）逐步回归最终进入模型的有4个非财务指标；最后对模型进行显著性、有效性和拟合优度的检验，结果证实该模型对福建省中小企业贷款信用风险度量具有较高的适用性。

Study on the Credit Risk Assessment of Loan to Small and Medium-sized Enterprise in Fujian Province

Firstly, the paper explains the way for the sample data and selects the Logistic regression model. secondly, it introduces the meaning of each index variables. According to the actual situation of the sample data, it preliminary screens for index variables and selects 6 financial indicators and 11 non-financial indicators enter regression model. With the help of SPSS forward stepwise regression conditions have four non-financial indicators into the final model. Finally, it makes significantly, effectiveness and Hosmer and Lemeshow testing for model, The result shows that this model of small and medium-sized enterprises in Fujian province of credit risk loans has high applicability.