Research On Credit Rating Of Small And Micro Enterprises In Guizhou Province

Since the reform and development for 30 years,small enterprises have played an important role in providing jobs,activating the economic environment,meeting market demand and other aspects of economic development in China,but having faced with the problem of financing difficulties and higher financing costs,not only seriously hindered the development of small micro economy,but also not conducive to implement China's current policy of "public entrepreneurship,peoples innovation".In recent years,with the advent of the era of "Internet +",the internet financial industry has become a new economic growth point in our country,especially in vigorous development of the network credit industry,having opened a new financing channe for small businesses.Net lending industry,however,for a period of time after the brutal development show a lot of problems,among them,how to control small micro enterprise credit risk and reduce the borrower default rate become the problems the credit platform must face.This paper studies and explores the credit risk evaluation methods of small and micro enterprises on net loan platform.In this paper,from the Angle of view of the network credit platform,first refer to the related literature and the traditional financial industry of small micro enterprise credit risk evaluation index and evaluation method,combining the net lending industry to the status quo of small micro enterprise credit evaluation,credit rating method based on analytic hierarchy process(ANP)of small micro enterprise was proposed.Formulate score rules of each index made after calculating each index weight in a model.After obtaining the whole set of evaluation model,the case study of the excellent loan loan platform of Guizhou Province is carried out,and the small micro enterprises in Guizhou are selected into the model,the result show that the evaluation model is applied to credit rating for small micro enterprises.At the end of this paper,some suggestions on risk prevention and control in the credit rating system of small micro enterprises credit rating index system for the net loan platform of small micro enterprises' borrower were put forward,hoping to promote the development of China's economy and provide some reference for the healthy development of China's network loan industry.