The Analysis Of Small And Medium-sized Enterprises Credit Rating System In Huishang Bank

As a territorial commercial bank,small and medium-sized enterprises are important customer resources of HuiShang Bank.Therefore,establishing a good and effective credit rating system aiming at small and medium-sized enterprises, can make HuiShang Bank maximum lower credit risk while carrying out in financing transaction of SMEs and make the resources get reasonable of allocation.Currently,credit rating system aiming at SMEs of HuiShang Bank is still faulty and exist some problem.On the rating method,because value allotting in every indexes of grade table still adopt expert judgment assurance,so subjectivity of value relation and proportion in indexes is too strong,make rating result easily bring error;On the rating process,also lack analysis of important proceeding and cash flow;furthermore,rating system wants for return tests of validating system deviation,the rating results of rating enterprises also want for follow- review in the valid term.Mainly due to the existence of the above-mentioned problems, HuiShang Bank established in a short time,a variety of systems and mechanisms are still in the process of gradual improvement,the introduction time of SMEs rating is short,the number and quality of personnel cannot meet the need of the requirements of rating.At present,China's commercial banks have rating systems for SMEs,no samples can learn from.So in the exploration of HuiShang Bank rating system for SMEs,must also go through a process of gradual improvement.Therefore,in the redesign of the HuiShang Bank credit rating system for SMEs, this article,according to "People's Bank of China credit rating management guidance" from HuiShang Bank advantage of the current rating system and related research,aiming at the existing problems of HuiShang Bank for SMEs credit rating system,to rating contents,rating indicators,and adopt the arrangement analytical method to scientific distribute the index and weight,and then combined of cash flow to put forward the analysis of the rating companies.Meanwhile,return-check the ratings,follow-up assessment and put forward the solution project.Through the test of case,on the whole,to establish the rating system for SMEs,which can adapt to the development of the HuiShang Bank.