Study On The Commercial Banks To Small And Medium-sized Enterprise Credit Rating

Small and medium-sized enterprises is one of the part of the national economy in our country, to increase social employment, promote the development of the market, promote the enterprise reform played a decisive role, their survival and development by the wide attention of the society. However, the modern market competition is intense, small and medium-sized enterprise is in a weak position in market competition. Limit the development of small and medium-sized enterprises the main reason is still a shortage of funds, financing difficulties of small and medium-sized enterprises is common problems. On loan to the bank, therefore, has become one of the small and medium-sized enterprise financing the main channel. And the main business of domestic commercial bank’s credit business, the customer credit rating as a link in the control of bank credit risk, is the important foundation of commercial bank lending. But as a result of the economic structure, change and the rapid development of small and medium-sized enterprises, the rating system of commercial Banks did not have the ideal effect, it’s not perfect but deepened the plight of small and medium-sized enterprise financing, restricting the development of small and medium-sized enterprises.This paper first introduces the development of the bank’s credit rating system at home and abroad and the current situation of small and medium-sized enterprises. Construction bank, for example, to build a credit rating system for small and medium enterprises, such as behavior from qualitative evaluation, financial risk and account has set up the evaluation index, the necessity and practicability of analysis indicators. Then use a business case analysis was carried out on the rating system, rating conclusion. Finally, according to the rating process, and points out that the rating system has defects, including data issues and problems of the model. Combined with their own work to analysis how to improve the construction bank for small and medium-sized enterprise credit evaluation system.