Research On The Establishment Of The China’s Small And Medium-sized Enterprise Credit Rating Index System

Small and medium-sized enterprises (SMEs) play an important role in China’s national economic growth, but financing difficulties as an important factor restricting the development of small and medium-sized enterprises, the reason is the credit problems of small and medium enterprises, SMEs credit rating is an important way to solve their credit problems. China’s SME credit evaluation index system, mostly based on the characteristics of large enterprises, it is difficult to accurately reflect the actual situation and development prospects of the SME. The index system of credit rating is not applicable and reasonable, which will play adverse impact on SME financing in large part and be an important reason to impede the financing of SMEs. As a result, combined with the characteristics of small and medium enterprises to establish a suitable SME credit rating index system, in order to fully and objectively assess the credit status of SMEs, and address the obstacles encountered by SMEs in the process of financing, has become imperative.Study of SMEs credit rating method as a starting point, through analysis of the problems of existing SME credit evaluation index system, pointed out that the re-build the significance of the SME credit rating index system. According to the set principles of the SME credit rating index system, using the method of combining qualitative and quantitative,to establish the credit rating Index System of the SME on the basis of previous research. The index system is focused to reflect the development of SMEs and innovation capability, while adding a compliance evaluation, and strive to fully and truly evaluate the credit situation of SMEs. Then cited the case to analysis and study the build credit rating index system, come to the rating results, and test the index system. Finally, we put forward the policy recommendations based on the promotion and implementation of the index system in our country at this stage. We hope that our built SME credit rating index system can help to assess the SME credit status comprehensively and objectively, and prevent the credit risk of SMEs effectively, then to solve the financing difficulties of SMEs and to promote the development of national economy.