Systematic Research On The Small And Medium Sized Enterprises' Credit Information Management

China's small and medium sized enterprises (SMEs) are the important part of the nationaleconomy, which have played an important role in providing jobs, improving technologicalinnovations, developing international trade as well as promoting economic growth. However,deficiency of credit and credit management of SMEs is becoming a significant impedimenton the road of development, and even threatens the survival of SMEs. Researching on SMEs'credit information management, establishing scientific and reasonable SMEs'creditinformation system are helping to improve the credit environment and promote the formationof favorable environment of good faith in the whole society, at the same time solve theconflicts between SMEs and banks and credit guarantee agencies, which has a very importantsignificance in theory and practice.On the basis of the results in other studies, this paper analyzes SMEs'credit informationaccording to the theory of Information Science, Information Management, InformationEconomics and System Science, studies credit information management processes andinformation management mechanisms, designs the SMEs'credit information system.The main researches are:(1)Research about credit information management of SMEs, including: analysis ofcredit information of SMEs, credit information factors of SMEs, research about the credit information management process of SMEs, credit information management mechanism ofSMEs(2)Research about credit information system of SMEs, this paper puts forward ascientific credit rating process of SMEs, achieves the functions of custom query and statisticalanalysis based on credit information.Through the research about credit information management and information system, thispaper is expected to comprehensively and really evaluate the SMEs'credit status, solve theproblem of SMEs'financing, improve the performance of SMEs, and improve the creditsituation of SMEs.