Study On Small And Micro Businesses’ Credit Evaluation System Based On The Supply Chain Finance

Small and micro businesses are an important force in promoting China’s economic growth, its position and role has been paid close attention in recent years. However, Small and micro businesses have difficulties in financing, and financing problems limit the sustainable development of small and micro businesses. The cause of Small and micro businesses’financing difficulties are in many aspects. Bank loans is the most common and practical choice in small and micro businesses’ financing channels. Supply chain financing has become the main way to alleviate the plight of Small and micro businesses’development, and for commercial banks, Supply chain financing is a new profit growth point. It is a win-win choice.This paper study on small and micro businesses’credit evaluation based on supply chain finance, construct the evaluation index system and change the traditional credit rating requirements. Using the analytic hierarchy process to determine the index weight after select the evaluation index system. Analysis of a small and micro businesses with grey comprehensive evaluation method for example. Compare the new evaluation system and the traditional evaluation system, to find the superiority of improving small and micro businesses credit level. Try to react the credit level of small and micro businesses scientific and objective.To reconstruct small and micro businesses credit evaluation system is an important aspect to solve the small and micro businesses financing problem. Because of China’s credit rating system is still in the stage of comprehensive construction, especially small and micro enterprises’credit evaluation is not scientific and can’t reflect the credit level of small and micro businesses objectively. This paper based on the model of supply chain financing, establish a small and micro businesses credit evaluation system, try to solve the small and micro businesses financing problems, and offer advice and suggestions.