Research On Small And Medium-sized Enterprises Of Credit Assessment Influencing Elements

Bank guarantees are usually combined with financial indicators and evidence-based credit evaluation results will be turned away hungry SME financing, a situation not uncommon in China. In this regard, many of the domestic SME "financing difficulties" of the main reasons attributed to its small capital, management is not standardized, low level of technology, which led to the "credit difference." However, in recent years, SME credit guarantee institutions and private lending is the practice of behavior showed that the majority of clients are banking that "bad credit" and not credit support to SMEs, but its low default rate even lower than some banks that "good credit" customers. This undoubtedly reflects the existing financial support system for SME credit and credit evaluation system in view of the conflict. SMEs should be how to understand what the true credit? what factors are SME credit evaluation of the real impact of? This is also the study to explore this issue.By comparing the ideology of Western credit find the credit of Western thought to the economic concept of credit as the main focus on utilitarian; China's ideological Zeyi ethics credit credit as the main focus on inner spirituality. Therefore, the use of credit-based thinking in the West as the main financial indicators of credit rating "scale" approach to measure the attitudes and behavior with oriental features of credit for SMEs in China will inevitably face the challenges of practice.Credit theory-based study to come out of its corporate credit conditions to achieve realization of the impact of the credit mechanism, put forward the internal conditions-corporate credit quality and credit ability of the main factors to achieve SME credit and credit quality (subjective factors) is a necessary condition for realization of credit, credit capacity (objective factor) is a sufficient condition to achieve the credit point of view. Presents the way of their own credit as collateral to obtain financing to support new ideas and practical. Focus has been to break through the evaluation of the financial indicators of corporate credit rating credit capacity of thinking framework for a comprehensive framework for SME credit evaluation system to do a theoretical preparation.Based on the above theory of credit to achieve the exploration, evaluation factors of SME credit carried out on two levels in depth. The first level of the SME credit evaluation of the overall framework of factors-factors of SME credit. Screened out by analyzing the main factors that affect SME credit:corporate credit quality is the primary factor, followed by its credit capacity. The second level of research is the further deepening of the first level, focuses on the SME credit the inner aspect of factors-the credit quality and credit assessment capacity factor.Finally, combining features of the life cycle stages of evaluation of credit quality and selected key indicators of credit capacity to design credit evaluation standards, and through the analytic hierarchy (AHP) to determine the number and importance of the right to comprehensive construction initially created, growth, mature SME credit rating system of the influencing factors.