Study On Weifang Construction Bank Credit Rating Appraisal System Of Private Enterprise

In recent years, private enterprises have grown rapidly with Chinese economical development. Private enterprises are playing a good role in Chinese economical life. So private enterprises are becoming increasingly strong demand for funds which have constrained them so that the society needs a perfect credit evaluation system. The private enterprise credit investigation and research has also been strongly desired. So the research of credit rating appraisal system of private enterprises is significant. How their scientific, objective and impartial assessment of information is a very useful solution to private enterprise loans. It is also related to the sustainable development of Chinese private enterprises in the future. According to different company features, adjusting and revising the evaluating indices which are suitable to private enterprises. Therefore, it becomes more important to establish a set of clear and simple system, easily to be grasped and applied, according to the character of the private enterprises.At first, the thesis explains the domestic and international evaluation situation and the development of the theories. It indicates the deficiencies to private enterprises that commercial banks adopted the credit appraisal system in the current circumstances. Through a brief analysis, it establishes its own preliminary model. Secondly, applying the experts' opinions and analytic hierarchy process to designs indexes, it identifies appraisal indicator weight, the paper is also thinking about superintendent ability, financial factors, personal credit, systematic level and cash flow of a loan enterprise. At the same time, it provides the credit appraisal standards, the maximum loan sum and calculating methods. Adopting the Logit model speculates default probability. Based on the above analysis of the financial indicators, non-financial factors, and cash flow calculation, the paper presents a comprehensive assessment system of enterprise credit rating. Thirdly, two cases demonstrate the specific application of this evaluating method.