Optimization Of Shanghai Pudong Development Bank J Branch SME Credit Rating System

Currently, the construction work of both steady development, has made significant achievements in the face of pressure SME opportunities, we are also facing increasing. Concerning the financing of SMEs has always been key issues of concern to the community, stakeholders and it must put forward a variety of temporary coping strategies. But fundamentally speaking, appear in the financing of SMEs has a strong complex issue, it is impossible from a single aspect can be resolved, we must proceed together from many aspects. Government departments should speed up the introduction of relevant policies to guide SMEs to successfully solve the financing problem; it should strengthen this aspect of the legal system, improve the environment for SME financing; and other aspects of bank financing of SMEs should pay attention to this issue and accelerate the development of the financial policy, and introduced a variety of financial products and services for the actual demand; enterprises should also improve their own credit rating, credit management, pay attention to the authenticity of the information, the only way to successfully establish a cooperative relationship with the bank. Data show that nearly half of SMEs survive difficult period more than three years, only 20% more SMEs can withstand the impact of the economic crisis. Therefore, for the law of development of SMEs to develop appropriate policy for the entire social and economic development are of great significance. When the author during this research work, to fully understand the academic research aspects of SME credit rating, on this basis, select the Shanghai Pudong Development Bank J Branch SME credit rating as the object of this research project. In the course of the study, using the method of analysis of the specific application case study SME credit rating to obtain optimized SPDB J Branch SME credit rating system of each policy.The research process of SME credit rating system, select the application to start, with excellent foreign experience this aspect to the Shanghai Pudong Development Bank J Branch current rating indicators for the analysis of the object by analyzing the Shanghai Pudong Development Bank J Branch SME credit rating system the characteristics and the status quo, drawing on management experience United States, Japan and other developed countries of the SME credit rating based on summarized the various issues J Branch of Shanghai Pudong Development Bank credit rating system exists, and puts forward the improvement measures. Use case analysis of the improvement measures to be verified, making the measures more practical value. In this paper, logically ask questions, analyze and solve problems in the order, the theory and practice of combining together to come to a comprehensive study.