Research on Credit Risk Perception System and Its Influencing Factors Based on Text Information

——Taking technological SMEs as an example

DOI

10.2991/978-94-6463-194-4_39How to use a DOI?

Keywords

Text information; Technological SMEs; System dynamics model; Credit risk

ABSTRACT

Small and medium-sized enterprises are at a disadvantage in the financing process. In today's data explosion, how to make full use of text information on various platforms and improve the bank's risk assessment mechanism to help the development of small and medium-sized enterprises is of great significance. This paper takes the small and medium-sized technology-based small and medium-sized enterprises as an example, and uses the system dynamics model to analyse the relationship between the influencing factors in the system by constructing a credit risk perception system for small and medium-sized technology-based small and medium-sized enterprises. The research conclusion shows that in the case of relatively stable financial information of enterprises, by acquiring and analysing textual information related to enterprises, it is possible to improve the perception of credit risk of small and medium-sized technology-based enterprises, which is conducive to improving the bank's credit risk evaluation system, thereby increasing the risk discernment. Therefore, we should strengthen government supervision, standardize text information related to enterprises, purify the media environment, and improve the readability and authenticity of documents issued by enterprises, so as to obtain incremental information and improve the bank's credit risk perception system.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Wenyan Wang
AU  - Hongmei Zhang
PY  - 2023
DA  - 2023/07/21
TI  - Research on Credit Risk Perception System and Its Influencing Factors Based on Text Information
BT  - Proceedings of the 10th Annual Meeting of Risk Analysis Council of China Association for Disaster Prevention (RAC 2022)
PB  - Atlantis Press
SP  - 277
EP  - 283
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-194-4_39
DO  - 10.2991/978-94-6463-194-4_39
ID  - Wang2023
ER  -