Research On Credit Rating Of Small Enterprises Customers In S Rural Credit Cooperative Union

Small businesses in the development of our country's economy plays a very important role,according to statistics,the number of small businesses in the industrial and commercial registration accounted for more than ninety percent of the total number of national enterprises,in the national GDP accounted for more than sixty percent,also provides China with more than fifty percent of tax revenue,solves the problem of employment of the three-quarters of the urban population However,since most small businesses are at the stage of start-up or right gradually enterprises,management is not standard,makes the service life of small business in China not too long,at the same time,the small business financial data and no bank approved limits etc make the risk of small business loans also the big many large enterprises,it also led to a small business has been at the difficulties of financing difficult financing expensive,and still with the development of small businesses.In this paper,based on the S association of small enterprise loan business,through the introduction of the process of S association small enterprise loan business credit rating index credit rating process to render the S association small business loan business situation,and then from S yonhap news agency credit rating index constitute the index weight setting,etc.,analyzed the S yonhap news agency problems of small business customer credit rating,and points out the reasons of these problems,and thus lead to consequences In order to improve the S association of credit rating system,this paper selected the S yonhap news agency and F 15 agri-businesses bank has 10 years experience in small enterprise loan business experts,through interviews,solicit opinions from the experts,and connecting with the actual situation is finally chosen 13 base class evaluation index,evaluation index and five adjust the class by using the analytic hierarchy process(ahp),the evaluation index of adjusted can be divided into order three hierarchies,and at the same time,the fuzzy comprehensive evaluation method for fuzzy comprehensive evaluation to determine the weight of each index,and through the consistency check,after finalized the new credit rating evaluation system S association news agency.In this article,through the actual case of credit rating evaluation effect prediction,verify the validity of the credit rating system after at the end of the paper argues that S association of small enterprises need to improve the customer credit rating system,at the same time also need to increase investment in science and technology,to ensure the objectivity and accuracy of the credit rating evaluation,and perfect after credit rating system can effectively prevent credit risks so as to guarantee the healthy development of small business loan business.