Construction Of Medium Small Micro-Enterprise Credit Rating System

Middle-Small-micro enterprises are an important foundation of our national economy and social development, they are the main driving force for deepening reform. With the sustainable development of the national economy and increasing of national innovation consciousness, Especially after the party’s eighteen, The number of China’s Middle-Small-micro enterprises increased quickly, The contribution of Middle-Small-micro enterprises to national economy growth has steadily improved. The Middle-Small-micro enterprises Performance particularly prominent in solving the social problems of employment, pay taxes, increase national income, promote local economic development. Meanwhile, due to the small and micro enterprises has the following advantages Market adaptability, low cost of reform, the introduction of new mechanisms fast, So State advocates vigorously support and develop Middle-Small-micro enterprises. However, with the formation of the role of Middle-Small-micro enterprises in China’s economic development is in sharp contrast to the Middle-Small-micro enterprises financing loans, There are several main reasons, the first is the Middle-Small-micro enterprises lack of collateral pledged fixed assets;The second is the narrow financing channel; The third is low anti-risk ability; The fourth is the financial system, the credit not perfect awareness.The fifth is financial institutions credit rating standards are inconsistent.Therefore, This paper intends to explore the objective rating for this phenomenon for a universal indicator system from a market perspective, This system adopt qualitative indicators to quantitative, The system will take the macro and micro enterprises qualitative indicators to quantify indicators, which can overcome the commercial bank the problems of subjective inconsistency. According to the research purpose, This paper selects 33 indicators, sample 47. Dimension reduction based on the correlation between indicators of Variables, Drawn six principal components based on principal component analysis, Short-term profitability and solvency, operating capacity, innovation, turnover and financial strength, long-term solvency, business management skills. Finally, k-means clustering analysis methods are based on the composite score will be divided into nine categories, Then the classification of different boundary value, As the new sample of credit rating standards, Implement the study of Middle-Small-micro enterprises in our country credit rating.