Research Of Small Micro-enterprise Credit Rating Index System

Small and micro businesses credit rating is different from the previous large and medium-sized enterprises credit rating, this difference manifested in a series of factors, such as weight, this research is helpful to solve the current problems we already a long time of small and micro businesses financing, credit rating and to study the small and micro businesses, you have to research the index system, this article is out of this consideration, for small micro enterprise credit rating index system made a superficial exploration.This paper starts from the basic theory of credit rating, defect first clarifies financing difficulties of small and micro businesses and the existing rating system, then put forward ideas and principles of index system construction, and the construction of small and micro businesses the credit rating index system, index weight determination, interpretation, and then through the analysis of case enterprise that rating results consistent with the actual situation, therefore this paper has certain practical value and reference meaning, at the end of the small internal and external conditions for the application of the credit rating index system of enterprises are analyzed.