Research on Real Quality Evaluation Model of Small and Medium Enterprises under Relationship Lending

It is the most important to effectively conduct enterprise credit evaluation in the issuing process of relationship lending. As Chinese market economy is not developed, the current enterprise credit evaluation model in developed countries can only serve as a reference instead of being completely imitated. The enterprise loan signaling game model proposed by domestic scholars gives consideration to the single financing situation of small and medium enterprises instead of considering the enterprise as a development individual. Through the discussion on the influence of frequent enterprise financing on the creditability value of enterprise information, the current model is improved, and a real quality evaluation model can be provided for the bank to issue relationship loan for reference.