Design And Implementation Of The Credit Ratings For Small-and-medium-sized Enterprises(SMEs)in Haidong City

The number of SMEs currently Haidong has exceeded 5000, after studied its survival and development environment, mainly existing problems are: difficult to raise funds and financing difficulties. The main reason is the limitation of credit evaluation methods. Further strengthen the management of credit system, and fulfill credit management system is the current plight of Haidong prefecture SMEs Credit fundamental way out.Currently, the development of rating industry in Haidong prefecture is still in early stage, almost all transplant foreign sound market economy and information technology is widely applied under the conditions of a mature rating software products, and the Haidong prefecture does not match the current bond market environment; and foreign rating software and models are also impossible to provide to domestic credit rating agencies, the critical techniques, methods or rely on independent research and development of domestic rating agency. we must base on the real needs of Haidong prefecture, use existing data and rating method, developed with the enterprise data browsing, enterprise data computing, develop credit rating software which can check the basic information of enterprises, calculate and rating the credit of enterprise.First of all,combined with the understanding of the small and medium enterprise’s development which are in HaiDong city, The key factors restricting the development of the HaiDong city is that SME financial industry understand little about the basic information of the small and medium-sized enterprise who couldn’t trust their credit rating, which leads to the small and medium enterprises development very slowly. So it is imminent to establish a authority credit rating system. Then the related technologies involved in the creation of credit rating system such as: J2 EE,MVC architecture, the related architecture of SHH framework; Once more we understanding the relevant requirement deeply of the credit rating system through the form of interview. The five major functional requirements of the system are produced gradually whose name are information collection, collation, enterprise information evaluation of enterprise credit, customer management and system maintenance. Based on the detailed analysis of the functional requirements of the system, we completed the detailed design of five function module. Based on the detailed design, gradually complete the concrete realization of each function module and the completion of the credit rating of the basic management functions. Finally, through function test verify the integrity of the system, through the performance test to verify the performance of the system safety and robustness to ensure the information security of the systemsecurity access among the enterprises. The software realizes the convenient management of credit rating system, greatly improve the management efficiency, and the trust degree of financial enterprises credit rating of SMEs, to promote the development of small and medium enterprises.