基于利益相关方的A银行小微企业贷款分析

Based on the theory of stakeholders, this paper takes the method of multivariate logit regression to find out the influencing factors of the loans to small and medium-sized enterprises of A Bank and how these factors influence the loans to small and medium-sized enterprises. The research shows that the enterprises which choose A Bank as their bank of deposit can get access to loan more easily,and duration of cooperation and business quota are positively related to loan origination,but the number of banks which enterprises cooperate with is negatively related to loan origination. The influence mechanism of these factors revolves around the benefit: the significance of small and micro enterprises, as a branch of the stakeholders of A Bank, is that if they have made profit in the past and will make profit in the future for A Bank, so the enterprises which meet the requirements of the newly established A Bank, performance and customer resources, can get access to loan more easily.