Research On Small And Micro Enterprise Credit Rating Index System

Small and micro enterprises play an important role in China’s economic development and social stability. Development of small and micro businesses related to the development of industrial enterprises, the national economy and employment, and even the development of China’s total economic output. But in recent years, Chinese small and micro business financing problems continue to arise, and plagued by numerous experts, scholars, government agencies and business owners, financial institutions and even countries introduced a number of policy documents regarding ease the financing difficulties of small and micro enterprises, but small and medium micro business financing is still an important issue to be addressed in our society.Due to the small and micro enterprises is not high profile, less its own funds, so rely on internal financing or issuing shares, bonds and financing through the capital markets more difficult, which determines the small and micro enterprises more dependent than large enterprises to commercial bank loans indirectly financing as the main mode of financing. But the small and micro enterprises is very difficult to bank loans, so there are a lot of funding gap in its development. One of the reasons for this phenomenon is that small and micro enterprises in the information disclosure system is not perfect, the lack of historical financial data, financial statements distortion. The commercial bank loans to the needs of its former corporate credit rating, the results of the bank’s credit rating is an important basis for the decision whether to provide loans to businesses. However, commercial bank credit rating index is used mainly for large enterprises and the setting, it is difficult to accurately reflect the actual situation and development prospects of small and micro enterprises, and therefore, the credit rating index system is not applicable in a very unreasonable large extent on the small micro-enterprise loan financing adversely affected. Therefore, the establishment of a practical and effective small micro-enterprise credit rating index system is an important way to solve the financing difficulties of small and micro enterprises.Based on the research results, international experience and domestic research and analysis of current situation in the past, exploring both the operational, relevance and usefulness of the evaluation index system, so as to promote the development of small and micro enterprises. The main research method of combining quantitative and qualitative analysis method, system analysis, hierarchical analysis, comparative analysis. From the research point of view, clearly defining the basic concepts, a conprehensive analysis of the domestic situation, there is a problem on the basis of international experience and build personal qualities owner class, business class, class three banks a dynamic risk control indicators, nine two level indicators, the rating index system 24 three indicators by AHP to determine the right levels of target weight, the use of fuzzy mathematics comprehensive assessment of both the model and expert scoring off a combination of credit rating model constructed. Finally, measures of risk aversion.