An Information Model of Bank Loan Availability for Tech SMEs Based on System Dynamics
The bank loan availability refers to the bank loans financing ability of enterprises, which reflects the difficulty of obtaining bank loans. Because there are many factors that affect the bank loan availability of tech SMEs, and all factors affect each other, it is necessary to establish an information model to measure and predict the loan availability of tech SMEs. This paper constructs the loan availability model of tech SMEs by the idea of informatization and the theory of system dynamics. Firstly, the information processing is carried out on the credit policy of tech SMEs of general commercial banks. Determine credit rating and risk limit as the criteria to measure bank loan availability, and take this as the core to extract the factors affecting bank loan availability for tech SMEs. On this basis, the loan availability and its influencing factors are considered as a whole information system. By quantifying the logical quantitative relationship among the various factors in the system, a system dynamics information model of bank loan availability for tech SMEs is built. After reasonably configuring the simulation parameters of the model, the information model of bank loan availability for tech SMEs is simulated. In the end, test this information model. This information model can improve the information management level of tech SMEs, and help the tech SMEs to make financing strategies and development decisions.