| Credit is the product of a certain stage of the development of market economy, is one of the basic conditions for economic relationship building, if the economy is the main individual in a society are not abide by credit, so the good market economic order will not be established, the human society development could not be better. In fact, the market economy developed degree is higher, the credit degree of the main trading in the market is higher. In today’s market economy, credit plays an important role, it can beCan promote the circulation of commodities, can greatly reduce transaction costs, improve the efficiency of capital can be activity in the economy to improve the investment environment to accelerate capital accumulation, expansion and turnover, which drives the rapid development of society and economy.China began to introduce microfinance mode since the90’s of last century,2005began commercial pilot, microfinance institutions in May8,2008, China Banking Regulatory Commission and the Central Bank jointly issued " guidance on the pilot micro-credit company "(hereinafter referred to as the " guidance "), the petty loan company such as bamboo shoots after a spring rain as in the country growing up. According to the people’s Bank " in2012the petty loan company data statistics report" shows, as of12at the end of2012, a total of micro-credit company6080, loan balance of592100000000yuan, the annual additional200500000000yuan of loans. The petty loan company is service "three rural " and the small and micro businesses of non-bank financial institutions, mainly to solve the farmers microfinance and small and micro businesses financing difficult problem." Directive opinion " published5years ago, today, the petty loan company is also faced with many problems in the rapid development at the same time:such as the illegal fund raising, illegal absorb public deposits, money laundering, usury, illegal operations, business ability is poor, low quality of employees. At the same time there are many problems in the petty loan company’s supervision level, a regulatory mechanism of limited resources to cover operation for many years, established national many cities the petty loan company already, but the financial office of municipal has not yet been established or newly formed does not have regulatory capacity, regulatory duties by financial Bureau, the trade and Industry Bureau or is the local branch of the people’s Bank of generation mechanism for implementation; on the other hand, regulatory means a single, lack of power, basically remain in the administrative admission, registration and examination, for the control of small loan companies operating risk exists serious information asymmetry and lag, is out of the question to study risk, introduction countermeasures. The petty loan company introduced the independent third party credit rating is a reveal their risk of good regulation. The petty loan company is a high risk industry, in today’s society pay more and more attention to credit, it is very important to how to objectively reveal the petty loan company’s credit status. To construct a reasonable and feasible be imperative, the petty loan company rating system. This paper is mainly on the characteristics of small loan companies to build a reasonable and feasible index system of credit rating. The paper mainly includes five parts, the first part is introduction, mainly introduces the research background, research significance, research ideas and literature review; the second part mainly introduces the basic theories and methods of credit rating of small loan companies; the third part construction of micro-credit company rating index system, mainly expounds the construction ideas, index system and weight etc. content; the fourth part is the empirical analysis, mainly through the practical effectiveness of specific examples to illustrate the index system; the fifth part is the conclusion, summarizes the deficiency of the research results, and prospects for future research. |
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