Study Of Sme Credit In The Credit Rating

Small & medium enterprise(SME) is the most active economic corpus in the market economy, it contains with it of frontier spirit and booming vitality become the main source that the social wealth creates. For win the small business enterprise provide aggressive finance support, since is SME develop of inevitable request is also an important contents that financial system turns to reform deeply. Medium small business enterprise margin's using difficult is the hard nut to crack which perplexs an international community.At the our country, in small business enterprise margin difficult especially bank loan the margin difficult is outstanding, have already become the check and supervision of present stage to develop further in the small business enterprise of important obstacle.This text the characteristics of small business enterprise sets out from the our country, analyzing the obstacle place of the loan margin of the check and supervision medium and small business bank, pointing out SME lend money difficult key reason to lie in medium small imperfection and bank of the business enterprise reputation lack to assess effectively to the business enterprise reputation condition.Bank current reputation rating system to medium the reputation rating of small business enterprise exist more blemish, mainly expressing on obsolescent and rating index sign of the rating system absurdity, causing from here to be underrated in the reputation grade of small business enterprise, and turned worse further to lend money a margin a difficulty in the small business enterprise.This text tries to take small rating system of the business enterprise reputation in the establishment as a breakthrough, for resolve the margin difficult problem of the medium and small business bank loan to provide technique support.Pass analysis research bank current reputation rating system to SME carry on the blemish of rating, according to medium the characteristics of small business enterprise and actual circumstance, draw lessons from currently the advanced theories of international and local reputation rating and practice experience, to the current reputation rating system carried on revising with perfect, build up a set of be applicable to medium small business enterprise reputation rating of index sign system.That system evaluates reputation the index sign be divided into quantitative analysis and qualitative analysis two parts, emphasizing on the foundation of quantitative analysis, carrying on adjustment through a qualitative analysis, trying hard for completely, the reputation condition of small business enterprise in the evaluation of reality.This text attains theories and fulfillment to combine together as far as possible in the process of writing, adopting the method of the system analysis, type ratio etc. to our country in small business enterprise reputation the present condition of the rating, and pass to set up to take into an improved method to carry on a research study in the small reputation rating system.Owing to oneself of the level is limited, some standpoints are initial and superficial, the far not enough maturity is perfect, hope getting teaches to correct concerning the expert.