Research On The Improvement Of CC Bank's Technology-based SME Credit Rating Index System

The financing of technology-based SMEs has been an important bottleneck for its difficult development.Although many good policies and preferential measures have been issued by the state and financial regulators,the difficulty of financing and financing is still an important problem to be solved in the whole society.To establish a credit rating system suitable for small and medium-sized enterprises of science and technology,to evaluate the credit grade of small and medium-sized enterprises objectively and fairly,not only for the development of small and medium sized enterprises with good rating results,for the future development of financing,but also for the bank to screen those credit with broad prospects.Good quality enterprises ensure the steady operation and sustainable development of banks,ensure the safety,liquidity and profitability of funds,and obtain new business profits.In a word,the establishment of a scientific and suitable credit rating index system for small and medium sized enterprises of China's commercial banks will achieve a common and benign cycle of commercial banks and small and medium-sized enterprises.Through the study and reference of excellent research results at home and abroad,combined with the analysis of the current situation of small and medium sized enterprises in China,this paper explores the target system with pertinence and applicability,and uses the method of combining quantitative analysis and qualitative analysis to obtain the comprehensive grading and grading,and the credit rating of the existing technology type small and medium-sized enterprises of CC bank.The system is optimized and improved,the representative index is selected,the hierarchy analysis method is used to stratify each index,and each weight is given to establish the rating model,and the final example is tested.