Research On Credit Evaluation Of Small And Medium Sized Construction Enterprises

The construction industry has made outstanding contributions to economic development. As an important member of the construction enterprise, small and medium-sized construction enterprises cannot be ignored in promoting economic development Now, Medium-sized and small construction enterprises face many development dilemmas, such as financing problems which seriously restrict the development of enterprise. In this paper, acted the credit situation which the investor concerned as a starting point to study the small and medium-sized construction enterprises credit evaluation problem. Through a strict credit evaluation system to identify the good credit small and medium construction enterprises which can be invested. Setting up a bridge between the investment-oriented small and medium construction enterprises and credit funds provider. Providing theoretical guidance and tools to solve the financing problem and guide the capital flow to the high quality enterprise.On the basis of existing research results about evaluation of enterprises credit, firstly, analyzed the small and medium-sized construction enterprise credit risk factors, then follow the building principle of index system, pick out the influence factors of enterprise credit, apply the knowledge of rough set about attribute reduction to screen primary index, establish a final credit evaluation index system; Based on actual situation, the situation of credit evaluation can be divided into two kinds: when making the initial cooperate and no credit available for reference, capital demander should conduct a comprehensive credit evaluation, at this time matter-element analysis is introduced into the credit analysis, established the credit evaluation model based on matter-element analysis. Due to the large evaluation index and complex calculation, setting up a small and medium-sized construction enterprise credit evaluation system based on the computer, and gives the structure and function of the system, using an example to examine the validity of the model; When existed multiple cooperation experience or relevant credit evaluation results about capital demanders for reference, the credit evaluation analysis process is a Markov random process, using the Markov chain to predict of the other party’s credit situation in the cooperation, and demonstrated the logical thinking and calculation process of the Markov chain prediction through a numerical example. Finally summarize the full text, point out the deficiencies and figure out the future research direction. Providing a idea and method for the enterprise to analysis the credit conditions, have found the connection point between the capital demanders and providers, promoting capital flows between the two sides.