Research on Credit Risk Assessment of Sci - tech Enterprises Based on Logistic Model

Xinrui Han

Abstract: Credit risk is the most important financing risk to sci-tech enterprises, which causes financing difficulty. In view of this deficiency, this paper firstly analyzes the reasons for financing difficulties of sci-tech enterprises, then combined with the characteristics of sci-tech enterprises focus on innovation and R & D to select the index of credit risk. Finally, the logistic model is used to construct the credit risk evaluation model of sci-tech enterprises. The data of 111 science and technology listed companies were used as samples to carry on the empirical analysis and the test results show that the model has high accuracy and stability.

Keywords: sci-tech enterprises, credit risk, logistic model, empirical analysis