The Design Of Credit Rating System On Small-and-Medium-Sized Enterprises

Small-and-medium-sized enterprises are an important part of China economy, which play an important role in different aspects of society. At present, the shortage of the liquidity is the biggest problem for the small-and-medium-sized enterprises. One of the reasons is the existence of asymmetric information, which makes it difficult for the investors to understand them. So credit rating becomes the important way to resolve the problem.By the learning of the situation of the small-and-medium-sized enterprises inside and abroad, we can conclude that it is necessary to do credit rating for the small-and-medium- sized enterprises kind by kind. This thesis takes these small-and-medium-sized textile enterprises for example, because these small-and-medium-sized textile enterprises are the important part of the small-and-medium-sized enterprises and play an important role in absorbing the labor force.By the research on the main credit rating method and combing the characters of the small-and-medium-sized textile enterprises, the conclusion is that the fuzzy comprehensive evaluation was the appropriate method for the credit rating. This method has the main four steps. On the basis of the method and the role of the combining of the static analysis and dynamic analysis, the credit rating indexes are designed with a detailed explanation. Some new indexes are added in order to show the credit of the small-and-medium-sized textile enterprises better.After the design of the credit indexes, this thesis takes the analytic hierarchy process to determine the weight of the indexes. The weight of the basic quality of enterprise and the enterprises competitive occupy the two previous statuses, which meet the characteristics of the small-and-medium-sized textile enterprises. Then to do credit rating to the typical enterprise---- ZHEJIANG HONGDA WARP KNITTING CO.,LTD. The result of the credit rating of this enterprise is AA, which is the true situation. The result explains that the method and the indexes of the thesis used are rational, which can provide some help to the practice.